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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 | $33,943 | $51,222-33.7% | $70,544-51.9% | $75,173-54.8% |
| Participation rate | 56.5% | 61.0%-4.4pp | 68.4%-11.8pp | 67.2%-10.7pp |
| Annual return | 9.53% | 30.06%-20.5pp | 32.79%-23.3pp | 160.72%-151.2pp |
| Employer contribution / active EE | $1,604 | $1,827-12.2% | $2,976-46.1% | $2,671-39.9% |
| Participant deferral / active EE | $2,833 | $2,850-0.6% | $4,568-38.0% | $4,126-31.4% |
| Admin fee / account holder | $4,069 | $4,096-0.7% | $6,427-36.7% | $5,651-28.0% |