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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 | $64,180 | $124,351-48.4% | $109,188-41.2% | $167,553-61.7% |
| Participation rate | 63.6% | 79.4%-15.8pp | 75.9%-12.2pp | 82.1%-18.5pp |
| Annual return | 8.51% | 26.04%-17.5pp | 25.76%-17.2pp | 478.89%-470.4pp |
| Employer contribution / active EE | $2,588 | $4,210-38.5% | $3,723-30.5% | $4,840-46.5% |
| Participant deferral / active EE | $5,414 | $5,257+3.0% | $4,654+16.3% | $6,343-14.6% |
| Admin fee / account holder | $2,968 | $7,975-62.8% | $6,755-56.1% | $12,316-75.9% |