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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 | $47,718 | $175,231-72.8% | $149,696-68.1% | $139,466-65.8% |
| Participation rate | 25.0% | 83.4%-58.4pp | 78.8%-53.8pp | 80.3%-55.3pp |
| Annual return | 9.83% | 166.77%-156.9pp | 134.46%-124.6pp | 373.66%-363.8pp |
| Employer contribution / active EE | $1,712 | $5,478-68.7% | $4,821-64.5% | $4,754-64.0% |
| Participant deferral / active EE | $11,572 | $6,521+77.4% | $5,682+103.7% | $6,712+72.4% |
| Admin fee / account holder | $2,007 | $16,155-87.6% | $13,212-84.8% | $11,409-82.4% |