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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 | $49,050 | $140,592-65.1% | $123,106-60.2% | $125,388-60.9% |
| Participation rate | 63.6% | 88.2%-24.6pp | 86.8%-23.1pp | 83.2%-19.6pp |
| Annual return | -3.51% | 16.80%-20.3pp | 13.22%-16.7pp | 282.24%-285.8pp |
| Employer contribution / active EE | $5,343 | $6,041-11.6% | $5,151+3.7% | $4,866+9.8% |
| Participant deferral / active EE | $6,344 | $6,980-9.1% | $6,229+1.8% | $5,352+18.5% |
| Admin fee / account holder | $8,578 | $11,198-23.4% | $9,015-4.8% | $9,541-10.1% |