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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 | $50,416 | $65,566-23.1% | $86,235-41.5% | $75,177-32.9% |
| Participation rate | 54.2% | 60.5%-6.2pp | 69.0%-14.7pp | 67.2%-13.0pp |
| Annual return | 12.32% | 46.07%-33.8pp | 1170.03%-1157.7pp | 160.75%-148.4pp |
| Employer contribution / active EE | $410 | $1,553-73.6% | $2,381-82.8% | $2,671-84.7% |
| Participant deferral / active EE | $1,488 | $3,023-50.8% | $3,987-62.7% | $4,126-63.9% |
| Admin fee / account holder | $5,212 | $5,470-4.7% | $6,856-24.0% | $5,651-7.8% |