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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 | $52,735 | $71,230-26.0% | $93,727-43.7% | $80,959-34.9% |
| Participation rate | 38.3% | 60.4%-22.1pp | 68.7%-30.4pp | 67.7%-29.3pp |
| Annual return | 4.12% | 11.26%-7.1pp | 133.83%-129.7pp | 35.67%-31.6pp |
| Employer contribution / active EE | $1,342 | $1,565-14.3% | $2,421-44.6% | $2,757-51.3% |
| Participant deferral / active EE | $1,458 | $4,037-63.9% | $4,417-67.0% | $4,300-66.1% |
| Admin fee / account holder | $6,379 | $6,961-8.4% | $8,292-23.1% | $6,925-7.9% |