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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 | $56,803 | $105,200-46.0% | $159,474-64.4% | $85,847-33.8% |
| Participation rate | 57.1% | 75.8%-18.6pp | 82.8%-25.7pp | 69.3%-12.2pp |
| Annual return | 12.51% | 45.08%-32.6pp | 263.68%-251.2pp | 318.61%-306.1pp |
| Employer contribution / active EE | $3,359 | $3,319+1.2% | $4,831-30.5% | $2,565+30.9% |
| Participant deferral / active EE | $5,674 | $5,946-4.6% | $7,353-22.8% | $3,952+43.6% |
| Admin fee / account holder | $14,339 | $6,934+106.8% | $10,802+32.7% | $6,261+129.0% |