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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 | $46,196 | $70,684-34.6% | $169,397-72.7% | $75,177-38.6% |
| Participation rate | 66.7% | 64.8%+1.9pp | 77.2%-10.5pp | 67.2%-0.5pp |
| Annual return | 11.69% | 36.38%-24.7pp | 406.23%-394.5pp | 160.75%-149.1pp |
| Employer contribution / active EE | $1,999 | $2,211-9.6% | $4,013-50.2% | $2,671-25.2% |
| Participant deferral / active EE | $3,625 | $4,310-15.9% | $6,223-41.8% | $4,126-12.2% |
| Admin fee / account holder | $1,186 | $5,404-78.1% | $9,017-86.9% | $5,651-79.0% |