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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 | $46,607 | $61,390-24.1% | $112,228-58.5% | $75,177-38.0% |
| Participation rate | 54.1% | 61.6%-7.6pp | 72.4%-18.4pp | 67.2%-13.2pp |
| Annual return | 6.22% | 28.47%-22.2pp | 30.23%-24.0pp | 160.75%-154.5pp |
| Employer contribution / active EE | $1,035 | $2,015-48.6% | $3,432-69.8% | $2,671-61.2% |
| Participant deferral / active EE | $2,734 | $3,108-12.0% | $4,800-43.0% | $4,126-33.7% |
| Admin fee / account holder | $4,478 | $4,862-7.9% | $7,752-42.2% | $5,651-20.8% |