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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 | $55,858 | $58,057-3.8% | $97,032-42.4% | $86,983-35.8% |
| Participation rate | 48.8% | 60.4%-11.6pp | 71.6%-22.8pp | 69.5%-20.8pp |
| Annual return | 12.33% | 22.26%-9.9pp | 35.38%-23.0pp | 25.83%-13.5pp |
| Employer contribution / active EE | $1,316 | $1,663-20.9% | $2,629-49.9% | $2,584-49.1% |
| Participant deferral / active EE | $3,396 | $3,244+4.7% | $4,672-27.3% | $4,194-19.0% |
| Admin fee / account holder | $12,938 | $4,839+167.4% | $9,418+37.4% | $7,856+64.7% |