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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 | $40,481 | $55,930-27.6% | $76,089-46.8% | $80,925-50.0% |
| Participation rate | 44.1% | 62.1%-18.0pp | 69.1%-25.0pp | 67.7%-23.6pp |
| Annual return | 9.75% | 20.58%-10.8pp | 360.94%-351.2pp | 35.65%-25.9pp |
| Employer contribution / active EE | $1,650 | $1,866-11.6% | $2,690-38.7% | $2,756-40.1% |
| Participant deferral / active EE | $2,829 | $3,051-7.3% | $4,259-33.6% | $4,299-34.2% |
| Admin fee / account holder | $3,801 | $5,241-27.5% | $6,418-40.8% | $6,940-45.2% |