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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 | $56,246 | $48,053+17.0% | $84,637-33.5% | $72,976-22.9% |
| Participation rate | 41.7% | 57.6%-15.9pp | 68.2%-26.6pp | 69.5%-27.8pp |
| Annual return | 17.00% | 37.39%-20.4pp | 258.82%-241.8pp | 81.02%-64.0pp |
| Employer contribution / active EE | $443 | $1,602-72.4% | $2,653-83.3% | $2,440-81.9% |
| Participant deferral / active EE | $1,770 | $2,681-34.0% | $3,900-54.6% | $3,608-50.9% |
| Admin fee / account holder | $4,130 | $3,395+21.6% | $4,914-16.0% | $5,124-19.4% |