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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 | $45,764 | $102,429-55.3% | $147,096-68.9% | $80,925-43.4% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 11.52% | 135.02%-123.5pp | 419.75%-408.2pp | 35.65%-24.1pp |
| Employer contribution / active EE | $2,748 | $3,716-26.0% | $4,936-44.3% | $2,756-0.3% |
| Participant deferral / active EE | $6,346 | $6,649-4.5% | $8,071-21.4% | $4,299+47.6% |
| Admin fee / account holder | $9,561 | $7,957+20.2% | $13,005-26.5% | $6,940+37.8% |