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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 | $40,805 | $85,171-52.1% | $172,753-76.4% | $72,976-44.1% |
| Participation rate | 55.4% | 70.1%-14.7pp | 82.6%-27.3pp | 69.5%-14.1pp |
| Annual return | 6.91% | 27.32%-20.4pp | 803.00%-796.1pp | 81.02%-74.1pp |
| Employer contribution / active EE | $3,660 | $3,324+10.1% | $5,144-28.9% | $2,440+50.0% |
| Participant deferral / active EE | $4,787 | $3,260+46.8% | $5,198-7.9% | $3,608+32.7% |
| Admin fee / account holder | $3,942 | $5,880-33.0% | $13,956-71.8% | $5,124-23.1% |