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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 | $51,783 | $68,880-24.8% | $120,580-57.1% | $80,959-36.0% |
| Participation rate | 51.9% | 61.7%-9.8pp | 72.0%-20.1pp | 67.7%-15.8pp |
| Annual return | 9.21% | 23.68%-14.5pp | 107.48%-98.3pp | 35.67%-26.5pp |
| Employer contribution / active EE | $2,156 | $2,066+4.3% | $3,469-37.9% | $2,757-21.8% |
| Participant deferral / active EE | $3,028 | $3,191-5.1% | $4,995-39.4% | $4,300-29.6% |
| Admin fee / account holder | $4,083 | $5,785-29.4% | $9,418-56.6% | $6,925-41.0% |