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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 | $49,878 | $74,535-33.1% | $100,712-50.5% | $82,637-39.6% |
| Participation rate | 65.7% | 61.2%+4.5pp | 69.3%-3.6pp | 68.1%-2.3pp |
| Annual return | 12.02% | 18.92%-6.9pp | 33.27%-21.2pp | 53.51%-41.5pp |
| Employer contribution / active EE | $2,466 | $1,503+64.1% | $2,313+6.6% | $2,552-3.4% |
| Participant deferral / active EE | $1,693 | $3,074-44.9% | $4,085-58.6% | $4,126-59.0% |
| Admin fee / account holder | $856 | $6,576-87.0% | $9,256-90.8% | $7,339-88.3% |