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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 | $47,486 | $42,683+11.3% | $112,860-57.9% | $64,340-26.2% |
| Participation rate | 46.6% | 58.7%-12.0pp | 66.3%-19.7pp | 55.2%-8.6pp |
| Annual return | 13.10% | 60.53%-47.4pp | 35.26%-22.2pp | 24.14%-11.0pp |
| Employer contribution / active EE | $1,309 | $1,274+2.8% | $2,206-40.7% | $1,862-29.7% |
| Participant deferral / active EE | $2,580 | $2,315+11.4% | $3,493-26.2% | $2,980-13.4% |
| Admin fee / account holder | $4,310 | $3,670+17.4% | $6,841-37.0% | $3,703+16.4% |