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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 | $37,065 | $95,453-61.2% | $112,040-66.9% | $82,448-55.0% |
| Participation rate | 47.7% | 72.8%-25.0pp | 76.5%-28.8pp | 68.1%-20.3pp |
| Annual return | 11.22% | 23.92%-12.7pp | 24.52%-13.3pp | 41.64%-30.4pp |
| Employer contribution / active EE | $817 | $2,318-64.8% | $2,954-72.3% | $2,551-68.0% |
| Participant deferral / active EE | $2,306 | $4,224-45.4% | $5,098-54.8% | $4,139-44.3% |
| Admin fee / account holder | $3,550 | $9,013-60.6% | $12,098-70.7% | $7,234-50.9% |