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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 | $29,272 | $88,707-67.0% | $74,184-60.5% | $273,972-89.3% |
| Participation rate | 60.0% | 79.4%-19.4pp | 76.6%-16.6pp | 83.0%-23.0pp |
| Annual return | 1.90% | 11.94%-10.0pp | 17.74%-15.8pp | 41.46%-39.6pp |
| Employer contribution / active EE | $1,601 | $3,159-49.3% | $2,370-32.5% | $4,869-67.1% |
| Participant deferral / active EE | $2,439 | $4,212-42.1% | $3,550-31.3% | $5,287-53.9% |
| Admin fee / account holder | $9,529 | $8,717+9.3% | $5,586+70.6% | $10,133-6.0% |