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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 | $42,530 | $56,054-24.1% | $171,082-75.1% | $62,881-32.4% |
| Participation rate | 28.2% | 62.9%-34.7pp | 76.7%-48.5pp | 69.3%-41.1pp |
| Annual return | 2.91% | 22.52%-19.6pp | 32.56%-29.6pp | 20.14%-17.2pp |
| Employer contribution / active EE | $440 | $1,731-74.6% | $4,002-89.0% | $2,281-80.7% |
| Participant deferral / active EE | $1,781 | $3,158-43.6% | $4,797-62.9% | $3,203-44.4% |
| Admin fee / account holder | $3,242 | $3,647-11.1% | $8,520-61.9% | $4,296-24.5% |