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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 | $60,844 | $58,099+4.7% | $76,872-20.9% | $75,173-19.1% |
| Participation rate | 54.5% | 63.9%-9.3pp | 69.6%-15.0pp | 67.2%-12.7pp |
| Annual return | 4.47% | 26.71%-22.2pp | 37.90%-33.4pp | 160.72%-156.2pp |
| Employer contribution / active EE | $2,496 | $1,996+25.1% | $2,533-1.5% | $2,671-6.5% |
| Participant deferral / active EE | $4,826 | $2,999+60.9% | $3,832+25.9% | $4,126+16.9% |
| Admin fee / account holder | $1,854 | $4,778-61.2% | $5,476-66.1% | $5,651-67.2% |