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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 | $23,743 | $55,713-57.4% | $75,901-68.7% | $72,975-67.5% |
| Participation rate | 50.0% | 61.1%-11.1pp | 69.3%-19.3pp | 69.5%-19.5pp |
| Annual return | 5.82% | 27.60%-21.8pp | 30.76%-24.9pp | 81.01%-75.2pp |
| Employer contribution / active EE | $1,072 | $1,687-36.4% | $2,501-57.1% | $2,440-56.1% |
| Participant deferral / active EE | $2,132 | $2,634-19.0% | $3,603-40.8% | $3,608-40.9% |
| Admin fee / account holder | $3,183 | $3,980-20.0% | $5,420-41.3% | $5,124-37.9% |