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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 | $33,722 | $81,504-58.6% | $102,437-67.1% | $80,959-58.3% |
| Participation rate | 34.2% | 66.9%-32.6pp | 74.5%-40.3pp | 67.7%-33.5pp |
| Annual return | 10.07% | 25.60%-15.5pp | 24.95%-14.9pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,823 | $3,104-41.3% | $3,871-52.9% | $2,757-33.9% |
| Participant deferral / active EE | $3,501 | $3,871-9.6% | $5,060-30.8% | $4,300-18.6% |
| Admin fee / account holder | $1,268 | $6,719-81.1% | $8,388-84.9% | $6,925-81.7% |