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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 | $49,039 | $58,099-15.6% | $76,872-36.2% | $75,173-34.8% |
| Participation rate | 53.8% | 63.9%-10.0pp | 69.6%-15.7pp | 67.2%-13.4pp |
| Annual return | 12.05% | 26.71%-14.7pp | 37.90%-25.9pp | 160.72%-148.7pp |
| Employer contribution / active EE | $1,517 | $1,996-24.0% | $2,533-40.1% | $2,671-43.2% |
| Participant deferral / active EE | $2,562 | $2,999-14.6% | $3,832-33.2% | $4,126-37.9% |
| Admin fee / account holder | $7,731 | $4,778+61.8% | $5,476+41.2% | $5,651+36.8% |