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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 | $50,775 | $65,395-22.4% | $182,540-72.2% | $72,975-30.4% |
| Participation rate | 22.4% | 65.4%-43.0pp | 78.0%-55.6pp | 69.5%-47.1pp |
| Annual return | 15.02% | 27.68%-12.7pp | 148.58%-133.6pp | 81.01%-66.0pp |
| Employer contribution / active EE | $1,235 | $1,911-35.4% | $4,076-69.7% | $2,440-49.4% |
| Participant deferral / active EE | $1,710 | $3,563-52.0% | $5,525-69.1% | $3,608-52.6% |
| Admin fee / account holder | $1,536 | $4,245-63.8% | $8,593-82.1% | $5,124-70.0% |