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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 | $46,756 | $65,027-28.1% | $90,970-48.6% | $79,852-41.4% |
| Participation rate | 69.6% | 61.6%+8.0pp | 69.0%+0.6pp | 69.6%0pp |
| Annual return | 6.22% | 30.45%-24.2pp | 134.58%-128.4pp | 31.72%-25.5pp |
| Employer contribution / active EE | $965 | $1,247-22.6% | $2,122-54.5% | $2,471-61.0% |
| Participant deferral / active EE | $3,026 | $2,512+20.5% | $3,373-10.3% | $3,740-19.1% |
| Admin fee / account holder | $330 | $4,535-92.7% | $5,960-94.5% | $5,306-93.8% |