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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 | $39,195 | $77,920-49.7% | $149,723-73.8% | $75,177-47.9% |
| Participation rate | 59.4% | 65.6%-6.2pp | 78.8%-19.4pp | 67.2%-7.8pp |
| Annual return | 12.95% | 31.72%-18.8pp | 134.50%-121.6pp | 160.75%-147.8pp |
| Employer contribution / active EE | $2,908 | $3,138-7.3% | $4,821-39.7% | $2,671+8.9% |
| Participant deferral / active EE | $3,884 | $3,411+13.8% | $5,682-31.7% | $4,126-5.9% |
| Admin fee / account holder | $1,234 | $5,951-79.3% | $13,215-90.7% | $5,651-78.2% |