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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 | $33,040 | $88,672-62.7% | $105,223-68.6% | $82,448-59.9% |
| Participation rate | 40.7% | 67.9%-27.2pp | 75.0%-34.3pp | 68.1%-27.3pp |
| Annual return | 12.22% | 30.86%-18.6pp | 180.65%-168.4pp | 41.64%-29.4pp |
| Employer contribution / active EE | $1,548 | $3,048-49.2% | $3,689-58.0% | $2,551-39.3% |
| Participant deferral / active EE | $3,169 | $4,036-21.5% | $5,072-37.5% | $4,139-23.4% |
| Admin fee / account holder | $662 | $7,146-90.7% | $8,859-92.5% | $7,234-90.8% |