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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 | $38,314 | $65,364-41.4% | $92,909-58.8% | $72,975-47.5% |
| Participation rate | 38.5% | 68.3%-29.9pp | 76.0%-37.5pp | 69.5%-31.0pp |
| Annual return | 15.74% | 42.11%-26.4pp | 109.44%-93.7pp | 81.01%-65.3pp |
| Employer contribution / active EE | $1,787 | $2,594-31.1% | $3,653-51.1% | $2,440-26.8% |
| Participant deferral / active EE | $3,339 | $3,128+6.7% | $4,238-21.2% | $3,608-7.4% |
| Admin fee / account holder | $6,603 | $4,251+55.3% | $5,795+13.9% | $5,124+28.9% |