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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 | $95,404-61.1% | $113,397-67.3% | $82,637-55.1% |
| Participation rate | 47.7% | 72.8%-25.1pp | 76.5%-28.8pp | 68.1%-20.3pp |
| Annual return | 11.22% | 19.08%-7.9pp | 23.20%-12.0pp | 53.51%-42.3pp |
| Employer contribution / active EE | $817 | $2,307-64.6% | $2,977-72.6% | $2,552-68.0% |
| Participant deferral / active EE | $2,306 | $4,220-45.3% | $5,076-54.6% | $4,126-44.1% |
| Admin fee / account holder | $3,550 | $9,168-61.3% | $11,957-70.3% | $7,339-51.6% |