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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 | $42,595 | $68,852-38.1% | $120,524-64.7% | $80,925-47.4% |
| Participation rate | 54.8% | 61.6%-6.8pp | 71.9%-17.1pp | 67.7%-12.8pp |
| Annual return | 9.37% | 23.67%-14.3pp | 107.36%-98.0pp | 35.65%-26.3pp |
| Employer contribution / active EE | $1,476 | $2,063-28.5% | $3,469-57.4% | $2,756-46.4% |
| Participant deferral / active EE | $2,623 | $3,187-17.7% | $4,994-47.5% | $4,299-39.0% |
| Admin fee / account holder | $1,762 | $5,781-69.5% | $9,440-81.3% | $6,940-74.6% |