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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 | $40,813 | $76,112-46.4% | $96,544-57.7% | $71,529-42.9% |
| Participation rate | 63.8% | 74.4%-10.6pp | 76.0%-12.2pp | 67.9%-4.1pp |
| Annual return | 13.78% | 22.80%-9.0pp | 25.88%-12.1pp | 28.97%-15.2pp |
| Employer contribution / active EE | $1,078 | $2,248-52.0% | $2,966-63.6% | $2,590-58.4% |
| Participant deferral / active EE | $2,164 | $4,217-48.7% | $4,851-55.4% | $4,291-49.6% |
| Admin fee / account holder | $791 | $2,708-70.8% | $8,254-90.4% | $1,588-50.2% |