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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 | $102,429-56.0% | $147,096-69.4% | $80,925-44.3% |
| Participation rate | 54.2% | 75.9%-21.7pp | 82.2%-28.0pp | 67.7%-13.5pp |
| Annual return | 10.42% | 135.02%-124.6pp | 419.75%-409.3pp | 35.65%-25.2pp |
| Employer contribution / active EE | $3,105 | $3,716-16.4% | $4,936-37.1% | $2,756+12.6% |
| Participant deferral / active EE | $4,883 | $6,649-26.6% | $8,071-39.5% | $4,299+13.6% |
| Admin fee / account holder | $3,999 | $7,957-49.7% | $13,005-69.2% | $6,940-42.4% |