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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 | $56,419 | $78,682-28.3% | $109,188-48.3% | $85,851-34.3% |
| Participation rate | 51.4% | 68.3%-16.8pp | 75.9%-24.5pp | 69.3%-17.9pp |
| Annual return | 10.93% | 25.09%-14.2pp | 25.76%-14.8pp | 318.63%-307.7pp |
| Employer contribution / active EE | $1,466 | $2,734-46.4% | $3,723-60.6% | $2,565-42.9% |
| Participant deferral / active EE | $3,001 | $3,468-13.4% | $4,654-35.5% | $3,952-24.1% |
| Admin fee / account holder | $1,249 | $5,470-77.2% | $6,755-81.5% | $6,261-80.0% |