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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 | $56,440 | $65,364-13.7% | $92,909-39.3% | $72,975-22.7% |
| Participation rate | 56.9% | 68.3%-11.4pp | 76.0%-19.1pp | 69.5%-12.6pp |
| Annual return | 13.33% | 42.11%-28.8pp | 109.44%-96.1pp | 81.01%-67.7pp |
| Employer contribution / active EE | $1,414 | $2,594-45.5% | $3,653-61.3% | $2,440-42.1% |
| Participant deferral / active EE | $2,532 | $3,128-19.1% | $4,238-40.3% | $3,608-29.8% |
| Admin fee / account holder | $2,166 | $4,251-49.1% | $5,795-62.6% | $5,124-57.7% |