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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 | $37,939 | $81,487-53.4% | $102,412-63.0% | $80,935-53.1% |
| Participation rate | 57.1% | 66.8%-9.7pp | 74.5%-17.4pp | 67.7%-10.5pp |
| Annual return | 10.07% | 25.60%-15.5pp | 24.94%-14.9pp | 35.66%-25.6pp |
| Employer contribution / active EE | $1,737 | $3,103-44.0% | $3,870-55.1% | $2,757-37.0% |
| Participant deferral / active EE | $3,680 | $3,871-4.9% | $5,060-27.3% | $4,299-14.4% |
| Admin fee / account holder | $6,712 | $6,717-0.1% | $8,388-20.0% | $6,924-3.1% |