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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 | $41,052 | $81,331-49.5% | $155,534-73.6% | $80,935-49.3% |
| Participation rate | 47.3% | 66.3%-19.0pp | 78.2%-30.9pp | 67.7%-20.4pp |
| Annual return | 4.68% | 33.37%-28.7pp | 64.92%-60.2pp | 35.66%-31.0pp |
| Employer contribution / active EE | $389 | $3,105-87.5% | $4,675-91.7% | $2,757-85.9% |
| Participant deferral / active EE | $1,226 | $3,454-64.5% | $5,630-78.2% | $4,299-71.5% |
| Admin fee / account holder | $1,641 | $7,999-79.5% | $15,900-89.7% | $6,924-76.3% |