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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 | $183,592-70.3% | $155,574-65.0% | $145,877-62.6% |
| Participation rate | 52.6% | 82.7%-30.1pp | 78.2%-25.6pp | 80.3%-27.7pp |
| Annual return | 8.22% | 61.37%-53.1pp | 64.87%-56.6pp | 551.28%-543.1pp |
| Employer contribution / active EE | $1,811 | $5,317-65.9% | $4,676-61.3% | $4,663-61.2% |
| Participant deferral / active EE | $4,328 | $6,466-33.1% | $5,629-23.1% | $6,691-35.3% |
| Admin fee / account holder | $10,383 | $19,316-46.2% | $15,914-34.8% | $13,402-22.5% |