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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 | $43,614 | $80,992-46.2% | $96,534-54.8% | $75,173-42.0% |
| Participation rate | 65.0% | 71.8%-6.8pp | 76.0%-11.0pp | 67.2%-2.2pp |
| Annual return | 11.12% | 27.05%-15.9pp | 25.88%-14.8pp | 160.72%-149.6pp |
| Employer contribution / active EE | $1,905 | $2,283-16.5% | $2,965-35.8% | $2,671-28.7% |
| Participant deferral / active EE | $3,846 | $3,929-2.1% | $4,851-20.7% | $4,126-6.8% |
| Admin fee / account holder | $17,746 | $6,717+164.2% | $8,253+115.0% | $5,651+214.1% |