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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 | $49,878 | $73,787-32.4% | $98,716-49.5% | $82,448-39.5% |
| Participation rate | 65.7% | 61.4%+4.3pp | 69.3%-3.6pp | 68.1%-2.4pp |
| Annual return | 12.02% | 18.57%-6.5pp | 31.81%-19.8pp | 41.64%-29.6pp |
| Employer contribution / active EE | $2,466 | $1,511+63.2% | $2,279+8.2% | $2,551-3.3% |
| Participant deferral / active EE | $1,693 | $3,081-45.0% | $4,048-58.2% | $4,139-59.1% |
| Admin fee / account holder | $856 | $6,500-86.8% | $8,703-90.2% | $7,234-88.2% |