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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 | $50,058 | $22,602+121.5% | $65,583-23.7% | $75,177-33.4% |
| Participation rate | 39.0% | 63.1%-24.1pp | 65.0%-26.0pp | 67.2%-28.2pp |
| Annual return | 9.84% | 71.13%-61.3pp | 47.46%-37.6pp | 160.75%-150.9pp |
| Employer contribution / active EE | $439 | $941-53.3% | $1,692-74.0% | $2,671-83.5% |
| Participant deferral / active EE | $1,780 | $1,695+5.0% | $2,833-37.2% | $4,126-56.9% |
| Admin fee / account holder | $7,621 | $1,877+305.9% | $4,112+85.4% | $5,651+34.8% |