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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 | $59,458 | $46,599+27.6% | $64,101-7.2% | $75,173-20.9% |
| Participation rate | 46.4% | 65.9%-19.5pp | 72.3%-25.9pp | 67.2%-20.8pp |
| Annual return | 9.84% | 26.06%-16.2pp | 33.72%-23.9pp | 160.72%-150.9pp |
| Employer contribution / active EE | $1,111 | $1,975-43.7% | $2,749-59.6% | $2,671-58.4% |
| Participant deferral / active EE | $2,868 | $2,837+1.1% | $3,881-26.1% | $4,126-30.5% |
| Admin fee / account holder | $13,851 | $2,956+368.6% | $3,070+351.1% | $5,651+145.1% |