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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 | $32,126 | $35,183-8.7% | $73,550-56.3% | $70,126-54.2% |
| Participation rate | 44.1% | 42.9%+1.1pp | 54.9%-10.9pp | 69.5%-25.5pp |
| Annual return | 11.82% | 26.90%-15.1pp | -15.16%+27.0pp | 73.15%-61.3pp |
| Employer contribution / active EE | $615 | $709-13.2% | $1,219-49.5% | $2,343-73.7% |
| Participant deferral / active EE | $1,120 | $1,220-8.2% | $1,804-37.9% | $3,332-66.4% |
| Admin fee / account holder | $2,031 | $2,302-11.8% | $2,320-12.5% | $4,645-56.3% |