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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 | $47,374 | $111,814-57.6% | $103,378-54.2% | $145,978-67.5% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 6.56% | 24.80%-18.2pp | 24.91%-18.3pp | 550.52%-544.0pp |
| Employer contribution / active EE | $2,180 | $4,215-48.3% | $3,870-43.7% | $4,662-53.2% |
| Participant deferral / active EE | $9,358 | $5,618+66.6% | $5,058+85.0% | $6,690+39.9% |
| Admin fee / account holder | $629 | $9,764-93.6% | $8,401-92.5% | $13,400-95.3% |