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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 | $49,551 | $60,442-18.0% | $96,754-48.8% | $87,485-43.4% |
| Participation rate | 37.8% | 58.7%-20.9pp | 70.3%-32.4pp | 68.9%-31.1pp |
| Annual return | 13.08% | 21.97%-8.9pp | 82.04%-69.0pp | 26.06%-13.0pp |
| Employer contribution / active EE | $1,908 | $1,691+12.9% | $2,679-28.8% | $2,596-26.5% |
| Participant deferral / active EE | $2,429 | $3,280-26.0% | $4,758-49.0% | $4,274-43.2% |
| Admin fee / account holder | $6,664 | $5,069+31.5% | $8,905-25.2% | $7,775-14.3% |