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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 | $47,293 | $181,062-73.9% | $158,223-70.1% | $155,188-69.5% |
| Participation rate | 52.4% | 82.7%-30.3pp | 79.2%-26.8pp | 80.8%-28.4pp |
| Annual return | 5.56% | 57.39%-51.8pp | 52.09%-46.5pp | 148.84%-143.3pp |
| Employer contribution / active EE | $3,608 | $4,565-21.0% | $4,109-12.2% | $4,248-15.1% |
| Participant deferral / active EE | $7,680 | $6,134+25.2% | $5,467+40.5% | $6,531+17.6% |
| Admin fee / account holder | $10,331 | $18,825-45.1% | $16,047-35.6% | $14,480-28.7% |