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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 | $74,978 | $86,949-13.8% | $102,460-26.8% | $80,959-7.4% |
| Participation rate | 48.3% | 72.4%-24.1pp | 76.5%-28.2pp | 67.7%-19.3pp |
| Annual return | 8.61% | 18.89%-10.3pp | 29.47%-20.9pp | 35.67%-27.1pp |
| Employer contribution / active EE | $1,218 | $2,370-48.6% | $3,025-59.7% | $2,757-55.8% |
| Participant deferral / active EE | $2,092 | $4,121-49.2% | $5,056-58.6% | $4,300-51.4% |
| Admin fee / account holder | $2,030 | $8,048-74.8% | $9,460-78.5% | $6,925-70.7% |