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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 | $65,086 | $65,034+0.1% | $90,970-28.5% | $79,856-18.5% |
| Participation rate | 56.3% | 61.6%-5.4pp | 69.0%-12.8pp | 69.6%-13.4pp |
| Annual return | 7.45% | 30.45%-23.0pp | 134.60%-127.1pp | 31.71%-24.3pp |
| Employer contribution / active EE | $647 | $1,247-48.2% | $2,122-69.5% | $2,471-73.8% |
| Participant deferral / active EE | $3,496 | $2,512+39.2% | $3,373+3.7% | $3,741-6.5% |
| Admin fee / account holder | $4,902 | $4,536+8.1% | $5,961-17.8% | $5,306-7.6% |