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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 | $56,771 | $65,367-13.2% | $92,915-38.9% | $72,976-22.2% |
| Participation rate | 52.0% | 68.3%-16.3pp | 76.0%-24.0pp | 69.5%-17.5pp |
| Annual return | 16.13% | 42.11%-26.0pp | 109.45%-93.3pp | 81.02%-64.9pp |
| Employer contribution / active EE | $1,610 | $2,594-37.9% | $3,653-55.9% | $2,440-34.0% |
| Participant deferral / active EE | $4,642 | $3,128+48.4% | $4,238+9.5% | $3,608+28.7% |
| Admin fee / account holder | $646 | $4,251-84.8% | $5,796-88.9% | $5,124-87.4% |