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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 | $51,261 | $79,449-35.5% | $189,597-73.0% | $85,851-40.3% |
| Participation rate | 64.5% | 66.0%-1.5pp | 78.4%-13.9pp | 69.3%-4.8pp |
| Annual return | 10.00% | 18.45%-8.4pp | 64.20%-54.2pp | 318.63%-308.6pp |
| Employer contribution / active EE | $1,907 | $2,081-8.4% | $4,412-56.8% | $2,565-25.7% |
| Participant deferral / active EE | $4,072 | $4,051+0.5% | $6,174-34.0% | $3,952+3.0% |
| Admin fee / account holder | $3,583 | $5,377-33.4% | $9,807-63.5% | $6,261-42.8% |