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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 | $47,446 | $89,367-46.9% | $141,191-66.4% | $72,975-35.0% |
| Participation rate | 51.9% | 75.1%-23.3pp | 82.5%-30.6pp | 69.5%-17.6pp |
| Annual return | 18.10% | 111.87%-93.8pp | 71.41%-53.3pp | 81.01%-62.9pp |
| Employer contribution / active EE | $2,178 | $3,115-30.1% | $4,736-54.0% | $2,440-10.8% |
| Participant deferral / active EE | $3,819 | $5,419-29.5% | $6,710-43.1% | $3,608+5.9% |
| Admin fee / account holder | $2,715 | $5,957-54.4% | $10,264-73.5% | $5,124-47.0% |