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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 | $81,435 | $70,418+15.6% | $96,570-15.7% | $85,847-5.1% |
| Participation rate | 35.1% | 61.8%-26.7pp | 69.8%-34.7pp | 69.3%-34.2pp |
| Annual return | 4.84% | 18.59%-13.7pp | 37.79%-32.9pp | 318.61%-313.8pp |
| Employer contribution / active EE | $336 | $1,413-76.2% | $2,357-85.8% | $2,565-86.9% |
| Participant deferral / active EE | $1,357 | $2,894-53.1% | $3,849-64.7% | $3,952-65.7% |
| Admin fee / account holder | $12,438 | $4,995+149.0% | $6,182+101.2% | $6,261+98.7% |