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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 | $33,698 | $153,769-78.1% | $133,975-74.8% | $273,972-87.7% |
| Participation rate | 60.0% | 88.4%-28.4pp | 87.1%-27.1pp | 83.0%-23.0pp |
| Annual return | 1.30% | 36.51%-35.2pp | 29.29%-28.0pp | 41.46%-40.2pp |
| Employer contribution / active EE | $1,932 | $6,029-68.0% | $5,211-62.9% | $4,869-60.3% |
| Participant deferral / active EE | $4,828 | $6,958-30.6% | $6,282-23.2% | $5,287-8.7% |
| Admin fee / account holder | $18,893 | $11,765+60.6% | $9,324+102.6% | $10,133+86.5% |