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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 | $67,599 | $63,314+6.8% | $91,004-25.7% | $62,293+8.5% |
| Participation rate | 45.0% | 73.3%-28.4pp | 75.6%-30.6pp | 69.5%-24.6pp |
| Annual return | 12.43% | 21.00%-8.6pp | 4.60%+7.8pp | 28.90%-16.5pp |
| Employer contribution / active EE | $1,052 | $1,807-41.8% | $2,456-57.2% | $2,042-48.5% |
| Participant deferral / active EE | $1,691 | $2,944-42.5% | $3,548-52.3% | $3,169-46.6% |
| Admin fee / account holder | $1,164 | $468+149.0% | $5,417-78.5% | $479+142.9% |