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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 | $45,051 | $102,422-56.0% | $147,117-69.4% | $80,959-44.4% |
| Participation rate | 54.2% | 75.9%-21.7pp | 82.2%-28.0pp | 67.7%-13.5pp |
| Annual return | 10.42% | 135.16%-124.7pp | 420.54%-410.1pp | 35.67%-25.2pp |
| Employer contribution / active EE | $3,105 | $3,717-16.5% | $4,932-37.1% | $2,757+12.6% |
| Participant deferral / active EE | $4,883 | $6,652-26.6% | $8,065-39.5% | $4,300+13.5% |
| Admin fee / account holder | $3,999 | $7,953-49.7% | $12,993-69.2% | $6,925-42.3% |