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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 | $52,534 | $80,983-35.1% | $96,544-45.6% | $75,177-30.1% |
| Participation rate | 58.1% | 71.8%-13.6pp | 76.0%-17.8pp | 67.2%-9.1pp |
| Annual return | 10.55% | 27.05%-16.5pp | 25.88%-15.3pp | 160.75%-150.2pp |
| Employer contribution / active EE | $2,290 | $2,282+0.3% | $2,966-22.8% | $2,671-14.3% |
| Participant deferral / active EE | $6,483 | $3,929+65.0% | $4,851+33.6% | $4,126+57.1% |
| Admin fee / account holder | $53,819 | $6,717+701.3% | $8,254+552.0% | $5,651+852.3% |