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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 | $34,038 | $59,804-43.1% | $81,982-58.5% | $79,856-57.4% |
| Participation rate | 52.1% | 61.6%-9.5pp | 69.3%-17.1pp | 69.6%-17.5pp |
| Annual return | 9.71% | 17.56%-7.9pp | 41.31%-31.6pp | 31.71%-22.0pp |
| Employer contribution / active EE | $1,197 | $1,713-30.1% | $2,498-52.1% | $2,471-51.5% |
| Participant deferral / active EE | $2,098 | $2,695-22.1% | $3,722-43.6% | $3,741-43.9% |
| Admin fee / account holder | $5,297 | $4,288+23.5% | $5,665-6.5% | $5,306-0.2% |