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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 | $62,965 | $76,407-17.6% | $150,298-58.1% | $82,448-23.6% |
| Participation rate | 45.5% | 66.4%-20.9pp | 77.8%-32.3pp | 68.1%-22.6pp |
| Annual return | 11.51% | 39.99%-28.5pp | 62.79%-51.3pp | 41.64%-30.1pp |
| Employer contribution / active EE | $1,126 | $2,614-56.9% | $4,154-72.9% | $2,551-55.9% |
| Participant deferral / active EE | $1,972 | $3,214-38.7% | $5,453-63.8% | $4,139-52.4% |
| Admin fee / account holder | $1,389 | $6,352-78.1% | $14,116-90.2% | $7,234-80.8% |