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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 | $45,660 | $65,034-29.8% | $90,970-49.8% | $79,856-42.8% |
| Participation rate | 61.4% | 61.6%-0.2pp | 69.0%-7.6pp | 69.6%-8.2pp |
| Annual return | 6.46% | 30.45%-24.0pp | 134.60%-128.1pp | 31.71%-25.3pp |
| Employer contribution / active EE | $553 | $1,247-55.7% | $2,122-74.0% | $2,471-77.6% |
| Participant deferral / active EE | $2,161 | $2,512-14.0% | $3,373-35.9% | $3,741-42.2% |
| Admin fee / account holder | $3,347 | $4,536-26.2% | $5,961-43.9% | $5,306-36.9% |