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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 | $45,715 | $86,298-47.0% | $111,308-58.9% | $85,847-46.7% |
| Participation rate | 53.2% | 73.3%-20.1pp | 77.3%-24.1pp | 69.3%-16.1pp |
| Annual return | 9.47% | 19.99%-10.5pp | 54.67%-45.2pp | 318.61%-309.1pp |
| Employer contribution / active EE | $1,200 | $2,044-41.3% | $2,732-56.1% | $2,565-53.2% |
| Participant deferral / active EE | $1,987 | $3,641-45.4% | $4,487-55.7% | $3,952-49.7% |
| Admin fee / account holder | $4,071 | $8,189-50.3% | $7,965-48.9% | $6,261-35.0% |