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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 | $42,667 | $58,099-26.6% | $76,902-44.5% | $75,177-43.2% |
| Participation rate | 49.4% | 63.9%-14.5pp | 69.6%-20.2pp | 67.2%-17.8pp |
| Annual return | 12.34% | 26.71%-14.4pp | 37.91%-25.6pp | 160.75%-148.4pp |
| Employer contribution / active EE | $2,279 | $1,996+14.2% | $2,534-10.1% | $2,671-14.7% |
| Participant deferral / active EE | $4,748 | $2,999+58.3% | $3,833+23.9% | $4,126+15.1% |
| Admin fee / account holder | $13,197 | $4,778+176.2% | $5,479+140.9% | $5,651+133.5% |