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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 | $47,297 | $117,829-59.9% | $102,423-53.8% | $145,877-67.6% |
| Participation rate | 69.2% | 78.6%-9.4pp | 76.5%-7.3pp | 80.3%-11.1pp |
| Annual return | 5.89% | 31.83%-25.9pp | 29.42%-23.5pp | 551.28%-545.4pp |
| Employer contribution / active EE | $4,968 | $3,615+37.4% | $3,023+64.3% | $4,663+6.5% |
| Participant deferral / active EE | $12,331 | $5,732+115.1% | $5,054+144.0% | $6,691+84.3% |
| Admin fee / account holder | $10,559 | $13,335-20.8% | $9,455+11.7% | $13,402-21.2% |