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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 | $56,995 | $56,121+1.6% | $92,985-38.7% | $64,340-11.4% |
| Participation rate | 53.8% | 44.9%+8.9pp | 69.5%-15.6pp | 55.2%-1.4pp |
| Annual return | 9.47% | 19.19%-9.7pp | 27.99%-18.5pp | 24.14%-14.7pp |
| Employer contribution / active EE | $899 | $1,351-33.5% | $2,662-66.2% | $1,862-51.7% |
| Participant deferral / active EE | $2,357 | $2,362-0.2% | $4,377-46.1% | $2,980-20.9% |
| Admin fee / account holder | $3,615 | $6,869-47.4% | $9,463-61.8% | $3,703-2.4% |