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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 | $59,015 | $65,367-9.7% | $92,915-36.5% | $72,976-19.1% |
| Participation rate | 53.2% | 68.3%-15.1pp | 76.0%-22.8pp | 69.5%-16.3pp |
| Annual return | 12.41% | 42.11%-29.7pp | 109.45%-97.0pp | 81.02%-68.6pp |
| Employer contribution / active EE | $1,279 | $2,594-50.7% | $3,653-65.0% | $2,440-47.6% |
| Participant deferral / active EE | $1,876 | $3,128-40.0% | $4,238-55.7% | $3,608-48.0% |
| Admin fee / account holder | $1,971 | $4,251-53.7% | $5,796-66.0% | $5,124-61.5% |