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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 | $47,544 | $93,598-49.2% | $135,974-65.0% | $75,173-36.8% |
| Participation rate | 22.2% | 75.2%-53.0pp | 81.9%-59.7pp | 67.2%-45.0pp |
| Annual return | 13.11% | 30.89%-17.8pp | 68.30%-55.2pp | 160.72%-147.6pp |
| Employer contribution / active EE | $4,044 | $3,538+14.3% | $4,859-16.8% | $2,671+51.4% |
| Participant deferral / active EE | $6,888 | $6,405+7.5% | $7,760-11.2% | $4,126+66.9% |
| Admin fee / account holder | $8,823 | $6,978+26.4% | $10,767-18.1% | $5,651+56.1% |