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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 | $22,526 | $76,407-70.5% | $150,298-85.0% | $82,448-72.7% |
| Participation rate | 40.3% | 66.4%-26.1pp | 77.8%-37.5pp | 68.1%-27.8pp |
| Annual return | 12.46% | 39.99%-27.5pp | 62.79%-50.3pp | 41.64%-29.2pp |
| Employer contribution / active EE | $1,045 | $2,614-60.0% | $4,154-74.8% | $2,551-59.0% |
| Participant deferral / active EE | $1,792 | $3,214-44.3% | $5,453-67.1% | $4,139-56.7% |
| Admin fee / account holder | $6,048 | $6,352-4.8% | $14,116-57.2% | $7,234-16.4% |