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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 | $29,949 | $77,920-61.6% | $149,723-80.0% | $75,177-60.2% |
| Participation rate | 67.9% | 65.6%+2.3pp | 78.8%-10.9pp | 67.2%+0.7pp |
| Annual return | 11.26% | 31.72%-20.5pp | 134.50%-123.2pp | 160.75%-149.5pp |
| Employer contribution / active EE | $2,605 | $3,138-17.0% | $4,821-46.0% | $2,671-2.5% |
| Participant deferral / active EE | $4,357 | $3,411+27.7% | $5,682-23.3% | $4,126+5.6% |
| Admin fee / account holder | $11,318 | $5,951+90.2% | $13,215-14.4% | $5,651+100.3% |