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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 | $50,224 | $63,703-21.2% | $93,063-46.0% | $82,448-39.1% |
| Participation rate | 64.3% | 63.8%+0.5pp | 72.1%-7.8pp | 68.1%-3.8pp |
| Annual return | 10.77% | -775.43%+786.2pp | 34.15%-23.4pp | 41.64%-30.9pp |
| Employer contribution / active EE | $1,499 | $1,729-13.3% | $2,476-39.4% | $2,551-41.2% |
| Participant deferral / active EE | $5,582 | $2,919+91.2% | $3,958+41.0% | $4,139+34.9% |
| Admin fee / account holder | $5,603 | $5,982-6.3% | $6,033-7.1% | $7,234-22.5% |