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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 | $59,322 | $63,703-6.9% | $93,063-36.3% | $82,448-28.0% |
| Participation rate | 55.0% | 63.8%-8.8pp | 72.1%-17.1pp | 68.1%-13.1pp |
| Annual return | 5.87% | -775.43%+781.3pp | 34.15%-28.3pp | 41.64%-35.8pp |
| Employer contribution / active EE | $1,040 | $1,729-39.8% | $2,476-58.0% | $2,551-59.2% |
| Participant deferral / active EE | $3,013 | $2,919+3.2% | $3,958-23.9% | $4,139-27.2% |
| Admin fee / account holder | $17,499 | $5,982+192.5% | $6,033+190.0% | $7,234+141.9% |