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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 | $55,346 | $49,976+10.7% | $66,674-17.0% | $82,637-33.0% |
| Participation rate | 50.0% | 63.1%-13.1pp | 73.7%-23.7pp | 68.1%-18.1pp |
| Annual return | 13.22% | 39.09%-25.9pp | 321.24%-308.0pp | 53.51%-40.3pp |
| Employer contribution / active EE | $1,396 | $1,988-29.8% | $2,620-46.7% | $2,552-45.3% |
| Participant deferral / active EE | $3,333 | $2,847+17.1% | $4,084-18.4% | $4,126-19.2% |
| Admin fee / account holder | $6,973 | $4,594+51.8% | $5,098+36.8% | $7,339-5.0% |