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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 | $48,142 | $77,962-38.2% | $178,540-73.0% | $80,935-40.5% |
| Participation rate | 68.5% | 65.7%+2.8pp | 77.1%-8.6pp | 67.7%+0.8pp |
| Annual return | 8.00% | 18.10%-10.1pp | 27.15%-19.2pp | 35.66%-27.7pp |
| Employer contribution / active EE | $1,882 | $2,280-17.5% | $3,953-52.4% | $2,757-31.7% |
| Participant deferral / active EE | $3,346 | $4,404-24.0% | $6,281-46.7% | $4,299-22.2% |
| Admin fee / account holder | $2,244 | $7,156-68.6% | $10,424-78.5% | $6,924-67.6% |