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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 | $39,332 | $68,586-42.7% | $120,380-67.3% | $80,911-51.4% |
| Participation rate | 55.2% | 61.6%-6.4pp | 71.9%-16.7pp | 67.6%-12.5pp |
| Annual return | 6.99% | 23.62%-16.6pp | 107.28%-100.3pp | 35.63%-28.6pp |
| Employer contribution / active EE | $645 | $2,053-68.6% | $3,465-81.4% | $2,756-76.6% |
| Participant deferral / active EE | $1,209 | $3,174-61.9% | $4,992-75.8% | $4,297-71.9% |
| Admin fee / account holder | $9,300 | $5,733+62.2% | $9,421-1.3% | $6,935+34.1% |