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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 | $27,865 | $102,429-72.8% | $147,096-81.1% | $80,925-65.6% |
| Participation rate | 58.6% | 75.9%-17.2pp | 82.2%-23.6pp | 67.7%-9.0pp |
| Annual return | 10.03% | 135.02%-125.0pp | 419.75%-409.7pp | 35.65%-25.6pp |
| Employer contribution / active EE | $1,740 | $3,716-53.2% | $4,936-64.7% | $2,756-36.9% |
| Participant deferral / active EE | $5,593 | $6,649-15.9% | $8,071-30.7% | $4,299+30.1% |
| Admin fee / account holder | $3,161 | $7,957-60.3% | $13,005-75.7% | $6,940-54.5% |