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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 | $43,928 | $57,119-23.1% | $85,187-48.4% | $80,935-45.7% |
| Participation rate | 54.5% | 56.4%-1.9pp | 67.5%-13.0pp | 67.7%-13.1pp |
| Annual return | 9.36% | 21.70%-12.3pp | 66.67%-57.3pp | 35.66%-26.3pp |
| Employer contribution / active EE | $1,686 | $1,802-6.4% | $2,732-38.3% | $2,757-38.8% |
| Participant deferral / active EE | $3,181 | $3,115+2.1% | $4,525-29.7% | $4,299-26.0% |
| Admin fee / account holder | $8,515 | $4,990+70.6% | $6,162+38.2% | $6,924+23.0% |