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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 | $35,979 | $55,684-35.4% | $75,900-52.6% | $72,976-50.7% |
| Participation rate | 34.8% | 61.1%-26.4pp | 69.3%-34.5pp | 69.5%-34.7pp |
| Annual return | 16.47% | 27.60%-11.1pp | 30.73%-14.3pp | 81.02%-64.5pp |
| Employer contribution / active EE | $439 | $1,687-74.0% | $2,501-82.4% | $2,440-82.0% |
| Participant deferral / active EE | $1,173 | $2,634-55.5% | $3,604-67.5% | $3,608-67.5% |
| Admin fee / account holder | $1,249 | $3,981-68.6% | $5,421-77.0% | $5,124-75.6% |