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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 | $68,880-38.2% | $120,580-64.7% | $80,959-47.4% |
| Participation rate | 54.8% | 61.7%-6.9pp | 72.0%-17.1pp | 67.7%-12.8pp |
| Annual return | 9.37% | 23.68%-14.3pp | 107.48%-98.1pp | 35.67%-26.3pp |
| Employer contribution / active EE | $1,476 | $2,066-28.6% | $3,469-57.5% | $2,757-46.5% |
| Participant deferral / active EE | $2,623 | $3,191-17.8% | $4,995-47.5% | $4,300-39.0% |
| Admin fee / account holder | $1,762 | $5,785-69.5% | $9,418-81.3% | $6,925-74.6% |