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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 | $32,190 | $81,504-60.5% | $102,437-68.6% | $80,959-60.2% |
| Participation rate | 43.2% | 66.9%-23.6pp | 74.5%-31.3pp | 67.7%-24.4pp |
| Annual return | 5.62% | 25.60%-20.0pp | 24.95%-19.3pp | 35.67%-30.1pp |
| Employer contribution / active EE | $2,313 | $3,104-25.5% | $3,871-40.2% | $2,757-16.1% |
| Participant deferral / active EE | $2,582 | $3,871-33.3% | $5,060-49.0% | $4,300-40.0% |
| Admin fee / account holder | $4,620 | $6,719-31.2% | $8,388-44.9% | $6,925-33.3% |