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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 | $47,718 | $56,894-16.1% | $84,753-43.7% | $62,881-24.1% |
| Participation rate | 46.2% | 68.5%-22.4pp | 76.6%-30.4pp | 69.3%-23.2pp |
| Annual return | 2.22% | 6.30%-4.1pp | 22.78%-20.6pp | 20.14%-17.9pp |
| Employer contribution / active EE | $1,354 | $2,400-43.6% | $3,574-62.1% | $2,281-40.6% |
| Participant deferral / active EE | $2,041 | $2,709-24.7% | $3,712-45.0% | $3,203-36.3% |
| Admin fee / account holder | $1,370 | $3,581-61.8% | $5,333-74.3% | $4,296-68.1% |