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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 | $57,061-23.0% | $85,063-48.4% | $80,911-45.7% |
| Participation rate | 54.5% | 56.3%-1.8pp | 67.5%-13.0pp | 67.6%-13.1pp |
| Annual return | 9.36% | 21.66%-12.3pp | 66.54%-57.2pp | 35.63%-26.3pp |
| Employer contribution / active EE | $1,686 | $1,799-6.3% | $2,727-38.2% | $2,756-38.8% |
| Participant deferral / active EE | $3,181 | $3,110+2.3% | $4,523-29.7% | $4,297-26.0% |
| Admin fee / account holder | $8,515 | $4,986+70.8% | $6,155+38.3% | $6,935+22.8% |