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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 | $45,619 | $58,311-21.8% | $81,882-44.3% | $80,959-43.7% |
| Participation rate | 52.2% | 63.5%-11.3pp | 72.4%-20.2pp | 67.7%-15.5pp |
| Annual return | 9.95% | 41.85%-31.9pp | 779.47%-769.5pp | 35.67%-25.7pp |
| Employer contribution / active EE | $1,158 | $2,347-50.7% | $2,916-60.3% | $2,757-58.0% |
| Participant deferral / active EE | $2,530 | $3,287-23.0% | $4,323-41.5% | $4,300-41.2% |
| Admin fee / account holder | $2,101 | $4,752-55.8% | $7,360-71.5% | $6,925-69.7% |