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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 | $39,597 | $65,367-39.4% | $92,915-57.4% | $72,976-45.7% |
| Participation rate | 63.3% | 68.3%-5.0pp | 76.0%-12.7pp | 69.5%-6.2pp |
| Annual return | 14.80% | 42.11%-27.3pp | 109.45%-94.6pp | 81.02%-66.2pp |
| Employer contribution / active EE | $1,333 | $2,594-48.6% | $3,653-63.5% | $2,440-45.4% |
| Participant deferral / active EE | $3,543 | $3,128+13.3% | $4,238-16.4% | $3,608-1.8% |
| Admin fee / account holder | $26,455 | $4,251+522.3% | $5,796+356.5% | $5,124+416.3% |