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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 | $60,442-22.1% | $96,754-51.3% | $87,485-46.2% |
| Participation rate | 35.5% | 58.7%-23.2pp | 70.3%-34.8pp | 68.9%-33.4pp |
| Annual return | 10.99% | 21.97%-11.0pp | 82.04%-71.0pp | 26.06%-15.1pp |
| Employer contribution / active EE | $1,159 | $1,691-31.5% | $2,679-56.7% | $2,596-55.4% |
| Participant deferral / active EE | $1,787 | $3,280-45.5% | $4,758-62.4% | $4,274-58.2% |
| Admin fee / account holder | $13,136 | $5,069+159.1% | $8,905+47.5% | $7,775+69.0% |