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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 | $56,761 | $57,752-1.7% | $112,273-49.4% | $71,495-20.6% |
| Participation rate | 49.4% | 58.8%-9.5pp | 72.4%-23.1pp | 67.9%-18.6pp |
| Annual return | 13.57% | 18.25%-4.7pp | 30.23%-16.7pp | 28.85%-15.3pp |
| Employer contribution / active EE | $1,081 | $1,912-43.5% | $3,431-68.5% | $2,589-58.3% |
| Participant deferral / active EE | $2,088 | $2,860-27.0% | $4,800-56.5% | $4,291-51.3% |
| Admin fee / account holder | $2,411 | $1,586+52.0% | $7,752-68.9% | $1,588+51.8% |