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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 | $56,272 | $80,992-30.5% | $96,534-41.7% | $75,173-25.1% |
| Participation rate | 66.1% | 71.8%-5.7pp | 76.0%-9.9pp | 67.2%-1.1pp |
| Annual return | 12.38% | 27.05%-14.7pp | 25.88%-13.5pp | 160.72%-148.3pp |
| Employer contribution / active EE | $1,393 | $2,283-39.0% | $2,965-53.0% | $2,671-47.9% |
| Participant deferral / active EE | $2,950 | $3,929-24.9% | $4,851-39.2% | $4,126-28.5% |
| Admin fee / account holder | $3,019 | $6,717-55.1% | $8,253-63.4% | $5,651-46.6% |