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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 | $36,727 | $93,589-60.8% | $135,942-73.0% | $75,181-51.1% |
| Participation rate | 52.9% | 75.2%-22.3pp | 81.9%-29.1pp | 67.2%-14.3pp |
| Annual return | 13.30% | 30.90%-17.6pp | 68.28%-55.0pp | 160.69%-147.4pp |
| Employer contribution / active EE | $1,185 | $3,537-66.5% | $4,858-75.6% | $2,671-55.6% |
| Participant deferral / active EE | $2,818 | $6,405-56.0% | $7,759-63.7% | $4,126-31.7% |
| Admin fee / account holder | $5,298 | $6,977-24.1% | $10,764-50.8% | $5,650-6.2% |