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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 | $102,422-51.2% | $147,117-66.0% | $80,959-38.2% |
| Participation rate | 57.6% | 75.9%-18.3pp | 82.2%-24.6pp | 67.7%-10.1pp |
| Annual return | 10.99% | 135.16%-124.2pp | 420.54%-409.5pp | 35.67%-24.7pp |
| Employer contribution / active EE | $2,408 | $3,717-35.2% | $4,932-51.2% | $2,757-12.7% |
| Participant deferral / active EE | $4,409 | $6,652-33.7% | $8,065-45.3% | $4,300+2.5% |
| Admin fee / account holder | $3,267 | $7,953-58.9% | $12,993-74.9% | $6,925-52.8% |