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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 | $57,501 | $155,555-63.0% | $146,866-60.8% | $155,188-62.9% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.5%-32.5pp | 80.8%-30.8pp |
| Annual return | 10.08% | 115.41%-105.3pp | 102.85%-92.8pp | 148.84%-138.8pp |
| Employer contribution / active EE | $1,268 | $4,647-72.7% | $4,425-71.3% | $4,248-70.2% |
| Participant deferral / active EE | $15,183 | $8,044+88.7% | $7,759+95.7% | $6,531+132.5% |
| Admin fee / account holder | $494 | $14,755-96.6% | $13,620-96.4% | $14,480-96.6% |