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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 | $63,949-26.4% | $129,031-63.5% | $94,015-49.9% |
| Participation rate | 35.5% | 63.4%-27.9pp | 73.4%-37.9pp | 70.8%-35.3pp |
| Annual return | 10.99% | 17.56%-6.6pp | 34.67%-23.7pp | 17.84%-6.9pp |
| Employer contribution / active EE | $1,159 | $1,865-37.8% | $3,226-64.1% | $2,790-58.5% |
| Participant deferral / active EE | $1,787 | $3,686-51.5% | $5,217-65.8% | $4,249-58.0% |
| Admin fee / account holder | $13,136 | $5,523+137.8% | $13,208-0.5% | $8,951+46.7% |