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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 | $61,338 | $89,532-31.5% | $103,447-40.7% | $80,925-24.2% |
| Participation rate | 42.9% | 76.0%-33.2pp | 80.5%-37.7pp | 67.7%-24.8pp |
| Annual return | 11.11% | 22.80%-11.7pp | 23.92%-12.8pp | 35.65%-24.5pp |
| Employer contribution / active EE | $1,346 | $4,023-66.5% | $4,678-71.2% | $2,756-51.2% |
| Participant deferral / active EE | $3,220 | $5,459-41.0% | $6,624-51.4% | $4,299-25.1% |
| Admin fee / account holder | $9,864 | $6,774+45.6% | $9,415+4.8% | $6,940+42.1% |