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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 | $77,250 | $50,082+54.2% | $93,419-17.3% | $79,852-3.3% |
| Participation rate | 54.1% | 60.9%-6.9pp | 66.8%-12.7pp | 69.6%-15.6pp |
| Annual return | 9.59% | 24.59%-15.0pp | 78.05%-68.5pp | 31.72%-22.1pp |
| Employer contribution / active EE | $1,827 | $1,303+40.2% | $2,075-11.9% | $2,471-26.1% |
| Participant deferral / active EE | $4,675 | $2,212+111.3% | $3,126+49.6% | $3,740+25.0% |
| Admin fee / account holder | $2,557 | $3,454-26.0% | $5,230-51.1% | $5,306-51.8% |