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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 | $51,929 | $61,605-15.7% | $112,273-53.7% | $75,173-30.9% |
| Participation rate | 56.7% | 61.7%-5.0pp | 72.4%-15.7pp | 67.2%-10.5pp |
| Annual return | 11.37% | 28.47%-17.1pp | 30.23%-18.9pp | 160.72%-149.4pp |
| Employer contribution / active EE | $2,443 | $2,015+21.2% | $3,431-28.8% | $2,671-8.5% |
| Participant deferral / active EE | $1,411 | $3,108-54.6% | $4,800-70.6% | $4,126-65.8% |
| Admin fee / account holder | $2,694 | $4,862-44.6% | $7,752-65.3% | $5,651-52.3% |