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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 | $52,307 | $91,559-42.9% | $133,978-61.0% | $79,856-34.5% |
| Participation rate | 61.0% | 73.3%-12.4pp | 79.8%-18.9pp | 69.6%-8.7pp |
| Annual return | 5.12% | 61.85%-56.7pp | 45.10%-40.0pp | 31.71%-26.6pp |
| Employer contribution / active EE | $645 | $2,384-72.9% | $3,919-83.5% | $2,471-73.9% |
| Participant deferral / active EE | $5,791 | $3,734+55.1% | $5,047+14.7% | $3,741+54.8% |
| Admin fee / account holder | $8,358 | $6,321+32.2% | $8,930-6.4% | $5,306+57.5% |