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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 | $33,353 | $46,534-28.3% | $64,097-48.0% | $75,177-55.6% |
| Participation rate | 44.6% | 65.9%-21.3pp | 72.3%-27.7pp | 67.2%-22.6pp |
| Annual return | 11.03% | 26.07%-15.0pp | 33.75%-22.7pp | 160.75%-149.7pp |
| Employer contribution / active EE | $1,119 | $1,976-43.4% | $2,750-59.3% | $2,671-58.1% |
| Participant deferral / active EE | $2,548 | $2,835-10.1% | $3,881-34.4% | $4,126-38.3% |
| Admin fee / account holder | $3,243 | $2,957+9.7% | $3,070+5.7% | $5,651-42.6% |