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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 | $54,690 | $102,422-46.6% | $147,117-62.8% | $80,959-32.4% |
| Participation rate | 51.6% | 75.9%-24.3pp | 82.2%-30.6pp | 67.7%-16.1pp |
| Annual return | 10.05% | 135.16%-125.1pp | 420.54%-410.5pp | 35.67%-25.6pp |
| Employer contribution / active EE | $2,209 | $3,717-40.6% | $4,932-55.2% | $2,757-19.9% |
| Participant deferral / active EE | $6,351 | $6,652-4.5% | $8,065-21.3% | $4,300+47.7% |
| Admin fee / account holder | $9,182 | $7,953+15.4% | $12,993-29.3% | $6,925+32.6% |