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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 | $40,976 | $48,364-15.3% | $71,796-42.9% | $62,881-34.8% |
| Participation rate | 59.0% | 60.6%-1.6pp | 69.1%-10.1pp | 69.3%-10.3pp |
| Annual return | 2.87% | 13.16%-10.3pp | 78.04%-75.2pp | 20.14%-17.3pp |
| Employer contribution / active EE | $1,029 | $1,042-1.3% | $1,924-46.5% | $2,281-54.9% |
| Participant deferral / active EE | $2,736 | $2,091+30.8% | $2,794-2.1% | $3,203-14.6% |
| Admin fee / account holder | $4,647 | $3,771+23.2% | $4,815-3.5% | $4,296+8.2% |