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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 | $39,550 | $76,371-48.2% | $93,621-57.8% | $72,976-45.8% |
| Participation rate | 69.5% | 71.8%-2.3pp | 75.8%-6.3pp | 69.5%0pp |
| Annual return | 13.09% | 25.82%-12.7pp | 32.76%-19.7pp | 81.02%-67.9pp |
| Employer contribution / active EE | $540 | $2,276-76.3% | $2,719-80.1% | $2,440-77.9% |
| Participant deferral / active EE | $3,569 | $3,538+0.9% | $4,070-12.3% | $3,608-1.1% |
| Admin fee / account holder | $40,247 | $6,839+488.5% | $7,890+410.1% | $5,124+685.4% |