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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 | $59,376 | $65,027-8.7% | $90,970-34.7% | $79,852-25.6% |
| Participation rate | 65.6% | 61.6%+4.0pp | 69.0%-3.4pp | 69.6%-4.1pp |
| Annual return | 0.14% | 30.45%-30.3pp | 134.58%-134.4pp | 31.72%-31.6pp |
| Employer contribution / active EE | $984 | $1,247-21.1% | $2,122-53.7% | $2,471-60.2% |
| Participant deferral / active EE | $2,307 | $2,512-8.2% | $3,373-31.6% | $3,740-38.3% |
| Admin fee / account holder | $4,570 | $4,535+0.8% | $5,960-23.3% | $5,306-13.9% |