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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 | $51,650 | $54,757-5.7% | $90,300-42.8% | $72,983-29.2% |
| Participation rate | 30.8% | 65.1%-34.4pp | 73.3%-42.5pp | 69.5%-38.7pp |
| Annual return | 11.46% | 30.63%-19.2pp | 78.11%-66.7pp | 81.01%-69.5pp |
| Employer contribution / active EE | $714 | $2,092-65.9% | $2,854-75.0% | $2,440-70.7% |
| Participant deferral / active EE | $1,982 | $2,887-31.4% | $3,884-49.0% | $3,608-45.1% |
| Admin fee / account holder | $21,275 | $3,972+435.6% | $5,353+297.4% | $5,124+315.2% |