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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 | $54,511 | $183,539-70.3% | $155,556-65.0% | $145,897-62.6% |
| Participation rate | 52.6% | 82.7%-30.1pp | 78.2%-25.6pp | 80.3%-27.7pp |
| Annual return | 8.22% | 61.31%-53.1pp | 64.84%-56.6pp | 552.29%-544.1pp |
| Employer contribution / active EE | $1,811 | $5,315-65.9% | $4,675-61.3% | $4,663-61.2% |
| Participant deferral / active EE | $4,328 | $6,467-33.1% | $5,631-23.1% | $6,689-35.3% |
| Admin fee / account holder | $10,383 | $19,275-46.1% | $15,885-34.6% | $13,390-22.5% |