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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 | $47,632 | $86,919-45.2% | $102,457-53.5% | $80,911-41.1% |
| Participation rate | 56.5% | 72.4%-15.9pp | 76.5%-20.0pp | 67.6%-11.2pp |
| Annual return | 9.84% | 18.90%-9.1pp | 29.41%-19.6pp | 35.63%-25.8pp |
| Employer contribution / active EE | $908 | $2,368-61.6% | $3,022-69.9% | $2,756-67.0% |
| Participant deferral / active EE | $1,930 | $4,119-53.1% | $5,054-61.8% | $4,297-55.1% |
| Admin fee / account holder | $6,073 | $8,049-24.6% | $9,451-35.7% | $6,935-12.4% |