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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 | $50,011 | $102,382-51.2% | $147,005-66.0% | $80,874-38.2% |
| Participation rate | 57.6% | 75.8%-18.3pp | 82.2%-24.6pp | 67.6%-10.1pp |
| Annual return | 10.99% | 134.89%-123.9pp | 418.76%-407.8pp | 35.62%-24.6pp |
| Employer contribution / active EE | $2,408 | $3,715-35.2% | $4,934-51.2% | $2,756-12.6% |
| Participant deferral / active EE | $4,409 | $6,646-33.7% | $8,070-45.4% | $4,297+2.6% |
| Admin fee / account holder | $3,267 | $7,942-58.9% | $13,006-74.9% | $6,935-52.9% |