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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 | $48,918 | $148,623-67.1% | $135,974-64.0% | $139,466-64.9% |
| Participation rate | 40.0% | 83.9%-43.9pp | 81.9%-41.9pp | 80.3%-40.3pp |
| Annual return | 10.94% | 79.30%-68.4pp | 68.30%-57.4pp | 373.66%-362.7pp |
| Employer contribution / active EE | $5,281 | $5,246+0.7% | $4,859+8.7% | $4,754+11.1% |
| Participant deferral / active EE | $5,194 | $8,103-35.9% | $7,760-33.1% | $6,712-22.6% |
| Admin fee / account holder | $1,459 | $12,406-88.2% | $10,767-86.4% | $11,409-87.2% |