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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 | $50,870 | $80,705-37.0% | $115,768-56.1% | $67,986-25.2% |
| Participation rate | 67.9% | 63.0%+4.9pp | 74.4%-6.5pp | 57.2%+10.7pp |
| Annual return | 9.38% | 18.49%-9.1pp | 100.46%-91.1pp | 31.67%-22.3pp |
| Employer contribution / active EE | $1,110 | $2,046-45.8% | $2,940-62.3% | $2,019-45.0% |
| Participant deferral / active EE | $2,303 | $3,559-35.3% | $4,917-53.2% | $3,358-31.4% |
| Admin fee / account holder | $4,472 | $4,135+8.1% | $12,439-64.0% | $3,203+39.6% |