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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 | $174,379-72.9% | $152,093-68.9% | $138,895-66.0% |
| Participation rate | 52.4% | 81.6%-29.3pp | 77.8%-25.4pp | 79.9%-27.5pp |
| Annual return | 5.56% | 74.86%-69.3pp | 66.36%-60.8pp | 145.39%-139.8pp |
| Employer contribution / active EE | $3,608 | $4,652-22.4% | $4,175-13.6% | $4,194-14.0% |
| Participant deferral / active EE | $7,680 | $6,159+24.7% | $5,451+40.9% | $6,396+20.1% |
| Admin fee / account holder | $10,331 | $16,880-38.8% | $14,497-28.7% | $12,562-17.8% |