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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 | $56,023 | $93,345-40.0% | $119,126-53.0% | $87,485-36.0% |
| Participation rate | 49.0% | 68.7%-19.7pp | 75.8%-26.7pp | 68.9%-19.9pp |
| Annual return | 9.76% | 19.08%-9.3pp | 282.11%-272.4pp | 26.06%-16.3pp |
| Employer contribution / active EE | $900 | $3,172-71.6% | $4,034-77.7% | $2,596-65.3% |
| Participant deferral / active EE | $2,726 | $4,099-33.5% | $5,318-48.7% | $4,274-36.2% |
| Admin fee / account holder | $12,599 | $8,039+56.7% | $10,693+17.8% | $7,775+62.0% |