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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,570 | $66,431-23.9% | $109,916-54.0% | $85,851-41.1% |
| Participation rate | 60.0% | 63.9%-3.9pp | 74.2%-14.2pp | 69.3%-9.3pp |
| Annual return | 8.32% | 19.59%-11.3pp | 29.46%-21.1pp | 318.63%-310.3pp |
| Employer contribution / active EE | $840 | $1,688-50.2% | $2,844-70.5% | $2,565-67.3% |
| Participant deferral / active EE | $5,059 | $2,844+77.9% | $4,047+25.0% | $3,952+28.0% |
| Admin fee / account holder | $12,398 | $4,559+171.9% | $6,069+104.3% | $6,261+98.0% |