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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 | $63,591 | $54,541+16.6% | $78,778-19.3% | $70,126-9.3% |
| Participation rate | 35.7% | 60.8%-25.1pp | 69.2%-33.5pp | 69.5%-33.8pp |
| Annual return | 7.85% | 21.07%-13.2pp | 35.62%-27.8pp | 73.15%-65.3pp |
| Employer contribution / active EE | $373 | $1,089-65.7% | $1,986-81.2% | $2,343-84.1% |
| Participant deferral / active EE | $1,115 | $2,210-49.6% | $2,958-62.3% | $3,332-66.5% |
| Admin fee / account holder | $2,908 | $3,709-21.6% | $5,134-43.4% | $4,645-37.4% |