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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 | $40,292 | $47,848-15.8% | $81,473-50.5% | $70,126-42.5% |
| Participation rate | 27.3% | 58.3%-31.0pp | 68.0%-40.7pp | 69.5%-42.3pp |
| Annual return | 7.98% | 27.25%-19.3pp | 38.78%-30.8pp | 73.15%-65.2pp |
| Employer contribution / active EE | $796 | $1,527-47.9% | $2,568-69.0% | $2,343-66.0% |
| Participant deferral / active EE | $1,386 | $2,453-43.5% | $3,537-60.8% | $3,332-58.4% |
| Admin fee / account holder | $7,537 | $3,145+139.7% | $4,561+65.2% | $4,645+62.2% |