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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 | $53,199 | $110,410-51.8% | $102,437-48.1% | $145,897-63.5% |
| Participation rate | 58.3% | 77.9%-19.6pp | 74.5%-16.2pp | 80.3%-22.0pp |
| Annual return | 7.37% | 24.85%-17.5pp | 24.95%-17.6pp | 552.29%-544.9pp |
| Employer contribution / active EE | $3,502 | $4,217-17.0% | $3,871-9.5% | $4,663-24.9% |
| Participant deferral / active EE | $2,617 | $5,622-53.4% | $5,060-48.3% | $6,689-60.9% |
| Admin fee / account holder | $62,876 | $9,745+545.2% | $8,388+649.6% | $13,390+369.6% |