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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 | $49,957 | $82,523-39.5% | $115,752-56.8% | $70,126-28.8% |
| Participation rate | 59.0% | 74.0%-15.0pp | 77.8%-18.7pp | 69.5%-10.5pp |
| Annual return | 12.90% | 28.22%-15.3pp | 19.41%-6.5pp | 73.15%-60.2pp |
| Employer contribution / active EE | $939 | $2,758-66.0% | $3,492-73.1% | $2,343-59.9% |
| Participant deferral / active EE | $2,519 | $4,062-38.0% | $5,204-51.6% | $3,332-24.4% |
| Admin fee / account holder | $2,659 | $4,552-41.6% | $6,278-57.6% | $4,645-42.8% |