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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 | $51,783 | $68,586-24.5% | $120,380-57.0% | $80,911-36.0% |
| Participation rate | 51.9% | 61.6%-9.7pp | 71.9%-20.1pp | 67.6%-15.8pp |
| Annual return | 9.21% | 23.62%-14.4pp | 107.28%-98.1pp | 35.63%-26.4pp |
| Employer contribution / active EE | $2,156 | $2,053+5.0% | $3,465-37.8% | $2,756-21.8% |
| Participant deferral / active EE | $3,028 | $3,174-4.6% | $4,992-39.3% | $4,297-29.5% |
| Admin fee / account holder | $4,083 | $5,733-28.8% | $9,421-56.7% | $6,935-41.1% |