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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 | $49,672 | $124,346-60.1% | $111,308-55.4% | $167,536-70.4% |
| Participation rate | 41.7% | 79.6%-38.0pp | 77.3%-35.7pp | 82.1%-40.4pp |
| Annual return | 8.30% | 37.45%-29.2pp | 54.67%-46.4pp | 478.82%-470.5pp |
| Employer contribution / active EE | $1,687 | $3,437-50.9% | $2,732-38.2% | $4,839-65.1% |
| Participant deferral / active EE | $5,396 | $5,182+4.1% | $4,487+20.3% | $6,342-14.9% |
| Admin fee / account holder | $718 | $10,621-93.2% | $7,965-91.0% | $12,315-94.2% |