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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 | $31,849 | $51,207-37.8% | $70,565-54.9% | $75,177-57.6% |
| Participation rate | 36.8% | 61.0%-24.1pp | 68.4%-31.5pp | 67.2%-30.4pp |
| Annual return | 2.20% | 30.05%-27.9pp | 32.79%-30.6pp | 160.75%-158.6pp |
| Employer contribution / active EE | $1,544 | $1,826-15.5% | $2,976-48.1% | $2,671-42.2% |
| Participant deferral / active EE | $1,891 | $2,850-33.7% | $4,568-58.6% | $4,126-54.2% |
| Admin fee / account holder | $4,754 | $4,097+16.0% | $6,430-26.1% | $5,651-15.9% |