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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 | $50,730 | $54,757-7.4% | $90,304-43.8% | $72,975-30.5% |
| Participation rate | 35.7% | 65.2%-29.4pp | 73.3%-37.6pp | 69.5%-33.8pp |
| Annual return | 16.37% | 30.63%-14.3pp | 78.13%-61.8pp | 81.01%-64.6pp |
| Employer contribution / active EE | $1,182 | $2,093-43.5% | $2,855-58.6% | $2,440-51.5% |
| Participant deferral / active EE | $1,126 | $2,887-61.0% | $3,885-71.0% | $3,608-68.8% |
| Admin fee / account holder | $7,896 | $3,973+98.7% | $5,354+47.5% | $5,124+54.1% |