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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 | $46,680 | $36,844+26.7% | $83,854-44.3% | $65,306-28.5% |
| Participation rate | 16.0% | 29.2%-13.3pp | 59.1%-43.1pp | 57.7%-41.7pp |
| Annual return | 12.08% | 22.28%-10.2pp | 31.39%-19.3pp | 21.94%-9.9pp |
| Employer contribution / active EE | $0 | $415-100.0% | $1,017-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $475 | $1,040-54.3% | $2,035-76.7% | $2,959-84.0% |
| Admin fee / account holder | $3,597 | $2,546+41.3% | $3,197+12.5% | $3,480+3.4% |