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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 | $57,369 | $95,453-39.9% | $112,040-48.8% | $82,448-30.4% |
| Participation rate | 56.4% | 72.8%-16.4pp | 76.5%-20.1pp | 68.1%-11.7pp |
| Annual return | 11.95% | 23.92%-12.0pp | 24.52%-12.6pp | 41.64%-29.7pp |
| Employer contribution / active EE | $1,012 | $2,318-56.3% | $2,954-65.7% | $2,551-60.3% |
| Participant deferral / active EE | $2,723 | $4,224-35.5% | $5,098-46.6% | $4,139-34.2% |
| Admin fee / account holder | $6,460 | $9,013-28.3% | $12,098-46.6% | $7,234-10.7% |