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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 | $54,913 | $79,961-31.3% | $98,462-44.2% | $75,177-27.0% |
| Participation rate | 65.5% | 70.4%-4.9pp | 75.2%-9.7pp | 67.2%-1.7pp |
| Annual return | 5.77% | 19.75%-14.0pp | 21.17%-15.4pp | 160.75%-155.0pp |
| Employer contribution / active EE | $2,361 | $2,264+4.3% | $3,049-22.5% | $2,671-11.6% |
| Participant deferral / active EE | $4,425 | $3,753+17.9% | $4,738-6.6% | $4,126+7.2% |
| Admin fee / account holder | $4,626 | $6,842-32.4% | $8,875-47.9% | $5,651-18.1% |