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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 | $43,877 | $69,590-36.9% | $136,867-67.9% | $94,015-53.3% |
| Participation rate | 43.3% | 66.3%-23.0pp | 74.5%-31.2pp | 70.8%-27.5pp |
| Annual return | 9.28% | 19.62%-10.3pp | 42.97%-33.7pp | 17.84%-8.6pp |
| Employer contribution / active EE | $915 | $2,396-61.8% | $3,547-74.2% | $2,790-67.2% |
| Participant deferral / active EE | $1,584 | $3,437-53.9% | $4,924-67.8% | $4,249-62.7% |
| Admin fee / account holder | $1,988 | $8,912-77.7% | $10,340-80.8% | $8,951-77.8% |