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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 | $83,257 | $99,875-16.6% | $146,866-43.3% | $86,983-4.3% |
| Participation rate | 47.3% | 75.8%-28.5pp | 82.5%-35.2pp | 69.5%-22.2pp |
| Annual return | 12.93% | 28.10%-15.2pp | 102.85%-89.9pp | 25.83%-12.9pp |
| Employer contribution / active EE | $1,656 | $3,224-48.6% | $4,425-62.6% | $2,584-35.9% |
| Participant deferral / active EE | $2,908 | $6,322-54.0% | $7,759-62.5% | $4,194-30.7% |
| Admin fee / account holder | $4,996 | $7,838-36.3% | $13,620-63.3% | $7,856-36.4% |