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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 | $28,378 | $27,826+2.0% | $65,566-56.7% | $71,511-60.3% |
| Participation rate | 64.9% | 57.6%+7.3pp | 64.9%0pp | 67.9%-3.0pp |
| Annual return | 15.24% | 41.56%-26.3pp | 47.40%-32.2pp | 28.86%-13.6pp |
| Employer contribution / active EE | $1,406 | $1,405+0.1% | $1,692-16.9% | $2,589-45.7% |
| Participant deferral / active EE | $2,569 | $1,861+38.1% | $2,832-9.3% | $4,291-40.1% |
| Admin fee / account holder | $2,043 | $3,850-46.9% | $4,114-50.3% | $1,588+28.6% |