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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 | $56,001 | $48,078+16.5% | $78,676-28.8% | $62,881-10.9% |
| Participation rate | 40.5% | 65.2%-24.7pp | 73.6%-33.0pp | 69.3%-28.8pp |
| Annual return | 3.87% | 31.36%-27.5pp | 62.19%-58.3pp | 20.14%-16.3pp |
| Employer contribution / active EE | $751 | $2,015-62.7% | $2,850-73.6% | $2,281-67.1% |
| Participant deferral / active EE | $1,598 | $2,587-38.2% | $3,517-54.6% | $3,203-50.1% |
| Admin fee / account holder | $5,224 | $3,206+63.0% | $4,510+15.8% | $4,296+21.6% |