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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 | $48,617 | $65,367-25.6% | $92,915-47.7% | $72,976-33.4% |
| Participation rate | 55.6% | 68.3%-12.8pp | 76.0%-20.4pp | 69.5%-13.9pp |
| Annual return | 16.09% | 42.11%-26.0pp | 109.45%-93.4pp | 81.02%-64.9pp |
| Employer contribution / active EE | $2,685 | $2,594+3.5% | $3,653-26.5% | $2,440+10.0% |
| Participant deferral / active EE | $5,384 | $3,128+72.1% | $4,238+27.0% | $3,608+49.2% |
| Admin fee / account holder | $1,695 | $4,251-60.1% | $5,796-70.7% | $5,124-66.9% |