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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 | $43,192 | $48,011-10.0% | $63,803-32.3% | $82,637-47.7% |
| Participation rate | 68.8% | 66.6%+2.2pp | 72.7%-4.0pp | 68.1%+0.7pp |
| Annual return | 8.96% | 19.84%-10.9pp | 543.72%-534.8pp | 53.51%-44.6pp |
| Employer contribution / active EE | $1,965 | $1,904+3.2% | $2,532-22.4% | $2,552-23.0% |
| Participant deferral / active EE | $4,295 | $2,846+50.9% | $3,843+11.8% | $4,126+4.1% |
| Admin fee / account holder | $1,011 | $3,873-73.9% | $5,196-80.5% | $7,339-86.2% |