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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 | $57,965 | $71,230-18.6% | $93,727-38.2% | $80,959-28.4% |
| Participation rate | 44.7% | 60.4%-15.7pp | 68.7%-24.0pp | 67.7%-22.9pp |
| Annual return | 9.23% | 11.26%-2.0pp | 133.83%-124.6pp | 35.67%-26.4pp |
| Employer contribution / active EE | $940 | $1,565-39.9% | $2,421-61.2% | $2,757-65.9% |
| Participant deferral / active EE | $1,683 | $4,037-58.3% | $4,417-61.9% | $4,300-60.9% |
| Admin fee / account holder | $2,489 | $6,961-64.2% | $8,292-70.0% | $6,925-64.1% |