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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 | $53,755 | $77,472-30.6% | $100,415-46.5% | $80,959-33.6% |
| Participation rate | 64.5% | 76.9%-12.4pp | 81.5%-17.0pp | 67.7%-3.2pp |
| Annual return | 8.31% | 37.26%-29.0pp | 49.47%-41.2pp | 35.67%-27.4pp |
| Employer contribution / active EE | $1,407 | $2,800-49.8% | $3,943-64.3% | $2,757-49.0% |
| Participant deferral / active EE | $3,614 | $6,818-47.0% | $8,091-55.3% | $4,300-16.0% |
| Admin fee / account holder | $1,764 | $5,885-70.0% | $7,906-77.7% | $6,925-74.5% |