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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 | $42,791 | $67,894-37.0% | $89,340-52.1% | $82,448-48.1% |
| Participation rate | 58.9% | 64.0%-5.1pp | 69.6%-10.7pp | 68.1%-9.2pp |
| Annual return | 12.43% | 19.21%-6.8pp | 20.57%-8.1pp | 41.64%-29.2pp |
| Employer contribution / active EE | $2,662 | $1,828+45.7% | $2,231+19.3% | $2,551+4.4% |
| Participant deferral / active EE | $5,563 | $3,072+81.1% | $3,823+45.5% | $4,139+34.4% |
| Admin fee / account holder | $2,391 | $5,723-58.2% | $6,704-64.3% | $7,234-67.0% |