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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 | $70,683 | $54,763+29.1% | $90,324-21.7% | $72,976-3.1% |
| Participation rate | 46.6% | 65.2%-18.6pp | 73.3%-26.7pp | 69.5%-22.9pp |
| Annual return | 16.15% | 30.63%-14.5pp | 78.15%-62.0pp | 81.02%-64.9pp |
| Employer contribution / active EE | $298 | $2,093-85.8% | $2,856-89.6% | $2,440-87.8% |
| Participant deferral / active EE | $1,979 | $2,887-31.5% | $3,885-49.1% | $3,608-45.1% |
| Admin fee / account holder | $11,086 | $3,973+179.0% | $5,356+107.0% | $5,124+116.3% |