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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 | $26,868 | $81,276-66.9% | $155,574-82.7% | $80,925-66.8% |
| Participation rate | 39.3% | 66.2%-27.0pp | 78.2%-38.9pp | 67.7%-28.4pp |
| Annual return | 6.04% | 33.36%-27.3pp | 64.87%-58.8pp | 35.65%-29.6pp |
| Employer contribution / active EE | $1,009 | $3,103-67.5% | $4,676-78.4% | $2,756-63.4% |
| Participant deferral / active EE | $1,727 | $3,453-50.0% | $5,629-69.3% | $4,299-59.8% |
| Admin fee / account holder | $1,614 | $7,993-79.8% | $15,914-89.9% | $6,940-76.7% |