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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 | $31,688 | $48,118-34.1% | $136,833-76.8% | $94,015-66.3% |
| Participation rate | 45.8% | 47.4%-1.5pp | 59.0%-13.2pp | 70.8%-25.0pp |
| Annual return | 4.90% | 14.65%-9.7pp | 35.32%-30.4pp | 17.84%-12.9pp |
| Employer contribution / active EE | $191 | $821-76.7% | $1,319-85.5% | $2,790-93.1% |
| Participant deferral / active EE | $462 | $1,651-72.0% | $2,441-81.1% | $4,249-89.1% |
| Admin fee / account holder | $3,894 | $3,059+27.3% | $4,706-17.3% | $8,951-56.5% |