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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 | $73,319 | $55,684+31.7% | $75,900-3.4% | $72,976+0.5% |
| Participation rate | 48.0% | 61.1%-13.1pp | 69.3%-21.3pp | 69.5%-21.5pp |
| Annual return | 14.89% | 27.60%-12.7pp | 30.73%-15.8pp | 81.02%-66.1pp |
| Employer contribution / active EE | $998 | $1,687-40.8% | $2,501-60.1% | $2,440-59.1% |
| Participant deferral / active EE | $2,435 | $2,634-7.6% | $3,604-32.4% | $3,608-32.5% |
| Admin fee / account holder | $45,376 | $3,981+1039.7% | $5,421+737.0% | $5,124+785.5% |