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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 | $49,453 | $110,410-55.2% | $102,437-51.7% | $145,897-66.1% |
| Participation rate | 47.1% | 77.9%-30.9pp | 74.5%-27.4pp | 80.3%-33.2pp |
| Annual return | 8.79% | 24.85%-16.1pp | 24.95%-16.2pp | 552.29%-543.5pp |
| Employer contribution / active EE | $1,614 | $4,217-61.7% | $3,871-58.3% | $4,663-65.4% |
| Participant deferral / active EE | $2,012 | $5,622-64.2% | $5,060-60.2% | $6,689-69.9% |
| Admin fee / account holder | $1,011 | $9,745-89.6% | $8,388-87.9% | $13,390-92.4% |