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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 | $78,027-60.3% | $178,528-82.7% | $80,925-61.7% |
| Participation rate | 40.0% | 65.7%-25.7pp | 77.1%-37.1pp | 67.7%-27.7pp |
| Annual return | 9.90% | 18.09%-8.2pp | 27.11%-17.2pp | 35.65%-25.7pp |
| Employer contribution / active EE | $1,072 | $2,281-53.0% | $3,950-72.9% | $2,756-61.1% |
| Participant deferral / active EE | $1,420 | $4,408-67.8% | $6,278-77.4% | $4,299-67.0% |
| Admin fee / account holder | $5,945 | $7,168-17.1% | $10,419-42.9% | $6,940-14.3% |