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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 | $54,445 | $81,487-33.2% | $102,412-46.8% | $80,935-32.7% |
| Participation rate | 41.4% | 66.8%-25.4pp | 74.5%-33.1pp | 67.7%-26.2pp |
| Annual return | 10.09% | 25.60%-15.5pp | 24.94%-14.8pp | 35.66%-25.6pp |
| Employer contribution / active EE | $1,989 | $3,103-35.9% | $3,870-48.6% | $2,757-27.8% |
| Participant deferral / active EE | $3,398 | $3,871-12.2% | $5,060-32.9% | $4,299-21.0% |
| Admin fee / account holder | $8,608 | $6,717+28.1% | $8,388+2.6% | $6,924+24.3% |