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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 | $34,990 | $59,839-41.5% | $81,991-57.3% | $79,852-56.2% |
| Participation rate | 53.8% | 61.6%-7.8pp | 69.3%-15.4pp | 69.6%-15.8pp |
| Annual return | 4.02% | 17.56%-13.5pp | 41.31%-37.3pp | 31.72%-27.7pp |
| Employer contribution / active EE | $1,357 | $1,713-20.8% | $2,498-45.7% | $2,471-45.1% |
| Participant deferral / active EE | $3,826 | $2,695+41.9% | $3,722+2.8% | $3,740+2.3% |
| Admin fee / account holder | $661 | $4,287-84.6% | $5,665-88.3% | $5,306-87.6% |