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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 | $37,245 | $56,054-33.6% | $171,082-78.2% | $62,881-40.8% |
| Participation rate | 48.0% | 62.9%-14.9pp | 76.7%-28.7pp | 69.3%-21.3pp |
| Annual return | 4.07% | 22.52%-18.4pp | 32.56%-28.5pp | 20.14%-16.1pp |
| Employer contribution / active EE | $600 | $1,731-65.3% | $4,002-85.0% | $2,281-73.7% |
| Participant deferral / active EE | $3,268 | $3,158+3.5% | $4,797-31.9% | $3,203+2.0% |
| Admin fee / account holder | $2,095 | $3,647-42.5% | $8,520-75.4% | $4,296-51.2% |