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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 | $53,892 | $70,418-23.5% | $96,570-44.2% | $85,847-37.2% |
| Participation rate | 66.0% | 61.8%+4.2pp | 69.8%-3.8pp | 69.3%-3.3pp |
| Annual return | 7.38% | 18.59%-11.2pp | 37.79%-30.4pp | 318.61%-311.2pp |
| Employer contribution / active EE | $392 | $1,413-72.2% | $2,357-83.4% | $2,565-84.7% |
| Participant deferral / active EE | $1,418 | $2,894-51.0% | $3,849-63.2% | $3,952-64.1% |
| Admin fee / account holder | $80,254 | $4,995+1506.7% | $6,182+1198.1% | $6,261+1181.9% |