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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 | $48,443 | $89,259-45.7% | $107,187-54.8% | $82,637-41.4% |
| Participation rate | 55.1% | 67.9%-12.8pp | 75.0%-19.9pp | 68.1%-13.0pp |
| Annual return | 12.58% | 21.02%-8.4pp | 204.55%-192.0pp | 53.51%-40.9pp |
| Employer contribution / active EE | $1,780 | $3,080-42.2% | $3,782-52.9% | $2,552-30.3% |
| Participant deferral / active EE | $4,462 | $4,037+10.5% | $5,096-12.4% | $4,126+8.1% |
| Admin fee / account holder | $5,406 | $7,381-26.8% | $9,162-41.0% | $7,339-26.3% |