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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 | $61,150 | $67,411-9.3% | $91,004-32.8% | $70,126-12.8% |
| Participation rate | 54.2% | 71.4%-17.1pp | 75.6%-21.4pp | 69.5%-15.3pp |
| Annual return | 10.97% | -40.16%+51.1pp | 4.60%+6.4pp | 73.15%-62.2pp |
| Employer contribution / active EE | $695 | $1,786-61.1% | $2,456-71.7% | $2,343-70.3% |
| Participant deferral / active EE | $1,916 | $2,823-32.1% | $3,548-46.0% | $3,332-42.5% |
| Admin fee / account holder | $1,129 | $4,236-73.3% | $5,417-79.2% | $4,645-75.7% |