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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 | $52,370 | $95,406-45.1% | $185,849-71.8% | $85,847-39.0% |
| Participation rate | 47.7% | 68.8%-21.1pp | 81.7%-34.0pp | 69.3%-21.6pp |
| Annual return | 7.94% | 23.59%-15.6pp | 122.10%-114.2pp | 318.61%-310.7pp |
| Employer contribution / active EE | $1,512 | $3,314-54.4% | $5,169-70.7% | $2,565-41.1% |
| Participant deferral / active EE | $1,843 | $3,424-46.2% | $5,569-66.9% | $3,952-53.4% |
| Admin fee / account holder | $6,799 | $7,214-5.8% | $16,244-58.1% | $6,261+8.6% |