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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 | $64,947 | $80,983-19.8% | $96,544-32.7% | $75,177-13.6% |
| Participation rate | 34.8% | 71.8%-37.0pp | 76.0%-41.2pp | 67.2%-32.4pp |
| Annual return | 11.46% | 27.05%-15.6pp | 25.88%-14.4pp | 160.75%-149.3pp |
| Employer contribution / active EE | $1,190 | $2,282-47.9% | $2,966-59.9% | $2,671-55.5% |
| Participant deferral / active EE | $2,309 | $3,929-41.2% | $4,851-52.4% | $4,126-44.0% |
| Admin fee / account holder | $10,931 | $6,717+62.7% | $8,254+32.4% | $5,651+93.4% |