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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 | $47,244 | $49,976-5.5% | $66,674-29.1% | $82,637-42.8% |
| Participation rate | 49.0% | 63.1%-14.1pp | 73.7%-24.7pp | 68.1%-19.1pp |
| Annual return | 9.82% | 39.09%-29.3pp | 321.24%-311.4pp | 53.51%-43.7pp |
| Employer contribution / active EE | $2,000 | $1,988+0.6% | $2,620-23.7% | $2,552-21.6% |
| Participant deferral / active EE | $3,013 | $2,847+5.9% | $4,084-26.2% | $4,126-27.0% |
| Admin fee / account holder | $33,977 | $4,594+639.7% | $5,098+566.5% | $7,339+363.0% |