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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 | $110,337-57.1% | $102,383-53.7% | $145,877-67.5% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 6.56% | 24.83%-18.3pp | 24.94%-18.4pp | 551.28%-544.7pp |
| Employer contribution / active EE | $2,180 | $4,216-48.3% | $3,870-43.7% | $4,663-53.2% |
| Participant deferral / active EE | $9,358 | $5,621+66.5% | $5,060+85.0% | $6,691+39.9% |
| Admin fee / account holder | $629 | $9,750-93.5% | $8,391-92.5% | $13,402-95.3% |