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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 | $72,484 | $86,919-16.6% | $102,457-29.3% | $80,911-10.4% |
| Participation rate | 42.4% | 72.4%-30.0pp | 76.5%-34.1pp | 67.6%-25.2pp |
| Annual return | 6.33% | 18.90%-12.6pp | 29.41%-23.1pp | 35.63%-29.3pp |
| Employer contribution / active EE | $810 | $2,368-65.8% | $3,022-73.2% | $2,756-70.6% |
| Participant deferral / active EE | $2,567 | $4,119-37.7% | $5,054-49.2% | $4,297-40.3% |
| Admin fee / account holder | $1,207 | $8,049-85.0% | $9,451-87.2% | $6,935-82.6% |