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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 | $42,674 | $80,983-47.3% | $96,544-55.8% | $75,177-43.2% |
| Participation rate | 59.5% | 71.8%-12.3pp | 76.0%-16.5pp | 67.2%-7.7pp |
| Annual return | 11.25% | 27.05%-15.8pp | 25.88%-14.6pp | 160.75%-149.5pp |
| Employer contribution / active EE | $1,037 | $2,282-54.6% | $2,966-65.1% | $2,671-61.2% |
| Participant deferral / active EE | $2,110 | $3,929-46.3% | $4,851-56.5% | $4,126-48.9% |
| Admin fee / account holder | $7,475 | $6,717+11.3% | $8,254-9.4% | $5,651+32.3% |