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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 | $50,828 | $183,516-72.3% | $155,534-67.3% | $145,884-65.2% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 6.56% | 61.43%-54.9pp | 64.92%-58.4pp | 551.85%-545.3pp |
| Employer contribution / active EE | $2,101 | $5,315-60.5% | $4,675-55.0% | $4,662-54.9% |
| Participant deferral / active EE | $7,050 | $6,467+9.0% | $5,630+25.2% | $6,690+5.4% |
| Admin fee / account holder | $9,495 | $19,293-50.8% | $15,900-40.3% | $13,392-29.1% |