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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 | $65,548 | $56,054+16.9% | $171,082-61.7% | $62,881+4.2% |
| Participation rate | 54.7% | 62.9%-8.2pp | 76.7%-22.0pp | 69.3%-14.6pp |
| Annual return | 4.05% | 22.52%-18.5pp | 32.56%-28.5pp | 20.14%-16.1pp |
| Employer contribution / active EE | $1,596 | $1,731-7.8% | $4,002-60.1% | $2,281-30.0% |
| Participant deferral / active EE | $2,645 | $3,158-16.2% | $4,797-44.9% | $3,203-17.4% |
| Admin fee / account holder | $1,465 | $3,647-59.8% | $8,520-82.8% | $4,296-65.9% |