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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 | $49,002 | $61,815-20.7% | $97,295-49.6% | $80,959-39.5% |
| Participation rate | 52.1% | 63.5%-11.4pp | 72.7%-20.5pp | 67.7%-15.6pp |
| Annual return | 8.70% | -558.73%+567.4pp | 75.62%-66.9pp | 35.67%-27.0pp |
| Employer contribution / active EE | $1,765 | $1,836-3.9% | $2,723-35.2% | $2,757-36.0% |
| Participant deferral / active EE | $3,173 | $3,027+4.8% | $4,264-25.6% | $4,300-26.2% |
| Admin fee / account holder | $3,854 | $5,166-25.4% | $5,646-31.7% | $6,925-44.3% |