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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 | $30,955 | $78,015-60.3% | $178,505-82.7% | $80,959-61.8% |
| Participation rate | 40.0% | 65.7%-25.7pp | 77.1%-37.1pp | 67.7%-27.7pp |
| Annual return | 9.90% | 18.10%-8.2pp | 27.16%-17.3pp | 35.67%-25.8pp |
| Employer contribution / active EE | $1,072 | $2,281-53.0% | $3,955-72.9% | $2,757-61.1% |
| Participant deferral / active EE | $1,420 | $4,406-67.8% | $6,280-77.4% | $4,300-67.0% |
| Admin fee / account holder | $5,945 | $7,160-17.0% | $10,428-43.0% | $6,925-14.2% |