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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 | $76,037 | $93,598-18.8% | $135,974-44.1% | $75,173+1.1% |
| Participation rate | 64.6% | 75.2%-10.6pp | 81.9%-17.3pp | 67.2%-2.6pp |
| Annual return | 12.39% | 30.89%-18.5pp | 68.30%-55.9pp | 160.72%-148.3pp |
| Employer contribution / active EE | $1,125 | $3,538-68.2% | $4,859-76.8% | $2,671-57.9% |
| Participant deferral / active EE | $4,458 | $6,405-30.4% | $7,760-42.5% | $4,126+8.1% |
| Admin fee / account holder | $43,163 | $6,978+518.6% | $10,767+300.9% | $5,651+663.9% |