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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 | $52,015 | $73,787-29.5% | $98,716-47.3% | $82,448-36.9% |
| Participation rate | 67.6% | 61.4%+6.2pp | 69.3%-1.7pp | 68.1%-0.5pp |
| Annual return | 10.10% | 18.57%-8.5pp | 31.81%-21.7pp | 41.64%-31.5pp |
| Employer contribution / active EE | $2,630 | $1,511+74.0% | $2,279+15.4% | $2,551+3.1% |
| Participant deferral / active EE | $2,918 | $3,081-5.3% | $4,048-27.9% | $4,139-29.5% |
| Admin fee / account holder | $30,500 | $6,500+369.2% | $8,703+250.5% | $7,234+321.6% |