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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 | $41,293 | $115,225-64.2% | $100,712-59.0% | $138,895-70.3% |
| Participation rate | 35.3% | 74.3%-39.0pp | 69.3%-34.0pp | 79.9%-44.6pp |
| Annual return | 7.45% | 40.35%-32.9pp | 33.27%-25.8pp | 145.39%-137.9pp |
| Employer contribution / active EE | $948 | $2,771-65.8% | $2,313-59.0% | $4,194-77.4% |
| Participant deferral / active EE | $1,520 | $4,699-67.6% | $4,085-62.8% | $6,396-76.2% |
| Admin fee / account holder | $10,187 | $10,844-6.1% | $9,256+10.1% | $12,562-18.9% |