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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 | $81,476-58.6% | $102,383-67.1% | $80,925-58.3% |
| Participation rate | 34.2% | 66.8%-32.6pp | 74.5%-40.3pp | 67.7%-33.4pp |
| Annual return | 10.07% | 25.59%-15.5pp | 24.94%-14.9pp | 35.65%-25.6pp |
| Employer contribution / active EE | $1,823 | $3,105-41.3% | $3,870-52.9% | $2,756-33.8% |
| Participant deferral / active EE | $3,501 | $3,871-9.6% | $5,060-30.8% | $4,299-18.6% |
| Admin fee / account holder | $1,268 | $6,717-81.1% | $8,391-84.9% | $6,940-81.7% |