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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 | $49,056 | $107,363-54.3% | $92,909-47.2% | $152,897-67.9% |
| Participation rate | 64.3% | 79.8%-15.5pp | 76.0%-11.7pp | 82.5%-18.2pp |
| Annual return | 10.30% | 145.63%-135.3pp | 109.44%-99.1pp | 345.43%-335.1pp |
| Employer contribution / active EE | $2,261 | $4,222-46.4% | $3,653-38.1% | $4,764-52.5% |
| Participant deferral / active EE | $4,598 | $4,848-5.1% | $4,238+8.5% | $5,851-21.4% |
| Admin fee / account holder | $10,231 | $7,082+44.5% | $5,795+76.6% | $11,599-11.8% |