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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 | $47,650 | $81,504-41.5% | $102,437-53.5% | $80,959-41.1% |
| Participation rate | 51.5% | 66.9%-15.3pp | 74.5%-23.0pp | 67.7%-16.2pp |
| Annual return | 9.87% | 25.60%-15.7pp | 24.95%-15.1pp | 35.67%-25.8pp |
| Employer contribution / active EE | $1,696 | $3,104-45.4% | $3,871-56.2% | $2,757-38.5% |
| Participant deferral / active EE | $2,760 | $3,871-28.7% | $5,060-45.5% | $4,300-35.8% |
| Admin fee / account holder | $9,438 | $6,719+40.5% | $8,388+12.5% | $6,925+36.3% |