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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 | $56,422 | $125,797-55.1% | $170,043-66.8% | $75,173-24.9% |
| Participation rate | 69.2% | 83.6%-14.4pp | 87.0%-17.8pp | 67.2%+2.0pp |
| Annual return | 11.61% | 27.20%-15.6pp | 53.40%-41.8pp | 160.72%-149.1pp |
| Employer contribution / active EE | $4,419 | $4,616-4.3% | $6,790-34.9% | $2,671+65.5% |
| Participant deferral / active EE | $9,284 | $6,838+35.8% | $10,410-10.8% | $4,126+125.0% |
| Admin fee / account holder | $5,375 | $8,177-34.3% | $12,824-58.1% | $5,651-4.9% |