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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 | $46,039 | $62,672-26.5% | $185,117-75.1% | $70,126-34.3% |
| Participation rate | 63.0% | 63.8%-0.8pp | 77.3%-14.3pp | 69.5%-6.6pp |
| Annual return | 13.08% | 40.79%-27.7pp | 40.50%-27.4pp | 73.15%-60.1pp |
| Employer contribution / active EE | $344 | $1,753-80.4% | $4,182-91.8% | $2,343-85.3% |
| Participant deferral / active EE | $2,233 | $3,272-31.8% | $5,045-55.7% | $3,332-33.0% |
| Admin fee / account holder | $12,128 | $3,932+208.5% | $8,159+48.6% | $4,645+161.1% |