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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 | $36,550 | $81,504-55.2% | $102,437-64.3% | $80,959-54.9% |
| Participation rate | 53.8% | 66.9%-13.0pp | 74.5%-20.7pp | 67.7%-13.8pp |
| Annual return | 9.94% | 25.60%-15.7pp | 24.95%-15.0pp | 35.67%-25.7pp |
| Employer contribution / active EE | $2,215 | $3,104-28.6% | $3,871-42.8% | $2,757-19.7% |
| Participant deferral / active EE | $2,863 | $3,871-26.0% | $5,060-43.4% | $4,300-33.4% |
| Admin fee / account holder | $2,524 | $6,719-62.4% | $8,388-69.9% | $6,925-63.5% |