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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 | $94,983 | $58,848+61.4% | $88,179+7.7% | $82,637+14.9% |
| Participation rate | 48.0% | 57.9%-9.9pp | 69.1%-21.1pp | 68.1%-20.1pp |
| Annual return | 9.49% | 22.76%-13.3pp | 64.97%-55.5pp | 53.51%-44.0pp |
| Employer contribution / active EE | $453 | $1,678-73.0% | $2,549-82.2% | $2,552-82.3% |
| Participant deferral / active EE | $2,936 | $3,124-6.0% | $4,614-36.4% | $4,126-28.8% |
| Admin fee / account holder | $464 | $4,795-90.3% | $7,673-94.0% | $7,339-93.7% |