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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 | $48,172 | $73,978-34.9% | $96,515-50.1% | $75,173-35.9% |
| Participation rate | 62.5% | 66.4%-3.9pp | 74.3%-11.8pp | 67.2%-4.7pp |
| Annual return | 6.98% | 26.72%-19.7pp | 35.73%-28.8pp | 160.72%-153.7pp |
| Employer contribution / active EE | $2,040 | $2,931-30.4% | $3,740-45.5% | $2,671-23.6% |
| Participant deferral / active EE | $3,186 | $3,660-13.0% | $4,880-34.7% | $4,126-22.8% |
| Admin fee / account holder | $712 | $5,219-86.4% | $6,735-89.4% | $5,651-87.4% |