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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 | $47,092 | $57,590-18.2% | $86,233-45.4% | $82,448-42.9% |
| Participation rate | 35.5% | 57.9%-22.4pp | 69.0%-33.5pp | 68.1%-32.6pp |
| Annual return | 10.99% | 22.41%-11.4pp | 61.39%-50.4pp | 41.64%-30.7pp |
| Employer contribution / active EE | $1,159 | $1,655-30.0% | $2,504-53.7% | $2,551-54.6% |
| Participant deferral / active EE | $1,787 | $3,080-42.0% | $4,559-60.8% | $4,139-56.8% |
| Admin fee / account holder | $13,136 | $4,730+177.7% | $8,342+57.5% | $7,234+81.6% |