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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 | $29,560 | $79,961-63.0% | $98,462-70.0% | $75,177-60.7% |
| Participation rate | 64.5% | 70.4%-5.8pp | 75.2%-10.7pp | 67.2%-2.7pp |
| Annual return | 12.71% | 19.75%-7.0pp | 21.17%-8.5pp | 160.75%-148.0pp |
| Employer contribution / active EE | $1,939 | $2,264-14.4% | $3,049-36.4% | $2,671-27.4% |
| Participant deferral / active EE | $3,119 | $3,753-16.9% | $4,738-34.2% | $4,126-24.4% |
| Admin fee / account holder | $521 | $6,842-92.4% | $8,875-94.1% | $5,651-90.8% |