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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 | $58,102 | $68,681-15.4% | $86,615-32.9% | $85,847-32.3% |
| Participation rate | 67.4% | 66.4%+1.1pp | 71.6%-4.2pp | 69.3%-1.9pp |
| Annual return | 7.16% | 20.12%-13.0pp | 63.51%-56.4pp | 318.61%-311.4pp |
| Employer contribution / active EE | $1,086 | $1,880-42.2% | $2,496-56.5% | $2,565-57.7% |
| Participant deferral / active EE | $2,615 | $2,919-10.4% | $3,699-29.3% | $3,952-33.8% |
| Admin fee / account holder | $5,324 | $5,974-10.9% | $5,830-8.7% | $6,261-15.0% |