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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 | $57,925 | $80,992-28.5% | $96,534-40.0% | $75,173-22.9% |
| Participation rate | 42.2% | 71.8%-29.6pp | 76.0%-33.8pp | 67.2%-25.0pp |
| Annual return | 11.29% | 27.05%-15.8pp | 25.88%-14.6pp | 160.72%-149.4pp |
| Employer contribution / active EE | $1,916 | $2,283-16.0% | $2,965-35.4% | $2,671-28.2% |
| Participant deferral / active EE | $3,195 | $3,929-18.7% | $4,851-34.1% | $4,126-22.6% |
| Admin fee / account holder | $4,666 | $6,717-30.5% | $8,253-43.5% | $5,651-17.4% |