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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 | $40,632 | $81,457-50.1% | $103,378-60.7% | $80,911-49.8% |
| Participation rate | 53.8% | 66.8%-13.0pp | 74.5%-20.7pp | 67.6%-13.8pp |
| Annual return | 9.94% | 25.58%-15.6pp | 24.91%-15.0pp | 35.63%-25.7pp |
| Employer contribution / active EE | $5,041 | $3,107+62.2% | $3,870+30.2% | $2,756+82.9% |
| Participant deferral / active EE | $2,863 | $3,871-26.0% | $5,058-43.4% | $4,297-33.4% |
| Admin fee / account holder | $2,524 | $6,717-62.4% | $8,401-70.0% | $6,935-63.6% |