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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 | $49,229 | $81,487-39.6% | $102,412-51.9% | $80,935-39.2% |
| Participation rate | 60.0% | 66.8%-6.8pp | 74.5%-14.5pp | 67.7%-7.7pp |
| Annual return | -1.27% | 25.60%-26.9pp | 24.94%-26.2pp | 35.66%-36.9pp |
| Employer contribution / active EE | $1,179 | $3,103-62.0% | $3,870-69.5% | $2,757-57.2% |
| Participant deferral / active EE | $2,432 | $3,871-37.2% | $5,060-51.9% | $4,299-43.4% |
| Admin fee / account holder | $5,151 | $6,717-23.3% | $8,388-38.6% | $6,924-25.6% |