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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 | $51,366 | $68,573-25.1% | $120,368-57.3% | $80,874-36.5% |
| Participation rate | 60.5% | 61.6%-1.1pp | 71.9%-11.4pp | 67.6%-7.1pp |
| Annual return | 7.45% | 23.61%-16.2pp | 107.26%-99.8pp | 35.62%-28.2pp |
| Employer contribution / active EE | $1,195 | $2,052-41.8% | $3,465-65.5% | $2,756-56.6% |
| Participant deferral / active EE | $2,121 | $3,174-33.2% | $4,991-57.5% | $4,297-50.6% |
| Admin fee / account holder | $4,564 | $5,734-20.4% | $9,429-51.6% | $6,935-34.2% |