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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 | $95,404-39.9% | $113,397-49.4% | $82,637-30.6% |
| Participation rate | 56.4% | 72.8%-16.5pp | 76.5%-20.1pp | 68.1%-11.7pp |
| Annual return | 11.95% | 19.08%-7.1pp | 23.20%-11.2pp | 53.51%-41.6pp |
| Employer contribution / active EE | $1,012 | $2,307-56.1% | $2,977-66.0% | $2,552-60.4% |
| Participant deferral / active EE | $2,723 | $4,220-35.5% | $5,076-46.4% | $4,126-34.0% |
| Admin fee / account holder | $6,460 | $9,168-29.5% | $11,957-46.0% | $7,339-12.0% |