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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 | $64,270 | $98,760-34.9% | $149,715-57.1% | $79,858-19.5% |
| Participation rate | 53.9% | 75.8%-21.8pp | 82.5%-28.5pp | 69.6%-15.7pp |
| Annual return | 9.71% | 27.43%-17.7pp | 276.66%-267.0pp | 31.72%-22.0pp |
| Employer contribution / active EE | $2,103 | $3,217-34.6% | $4,645-54.7% | $2,471-14.9% |
| Participant deferral / active EE | $4,478 | $5,681-21.2% | $6,842-34.6% | $3,740+19.7% |
| Admin fee / account holder | $3,926 | $6,053-35.1% | $9,310-57.8% | $5,306-26.0% |