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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 | $62,635 | $62,393+0.4% | $120,580-48.1% | $74,478-15.9% |
| Participation rate | 51.8% | 56.8%-5.0pp | 72.0%-20.2pp | 67.2%-15.4pp |
| Annual return | 9.70% | 18.61%-8.9pp | 107.48%-97.8pp | 1370.56%-1360.9pp |
| Employer contribution / active EE | $1,090 | $1,845-40.9% | $3,469-68.6% | $2,626-58.5% |
| Participant deferral / active EE | $2,363 | $2,886-18.1% | $4,995-52.7% | $4,350-45.7% |
| Admin fee / account holder | $3,762 | $2,396+57.0% | $9,418-60.1% | $1,946+93.4% |