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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 | $124,980-67.0% | $108,359-61.9% | $154,746-73.3% |
| Participation rate | 35.3% | 75.2%-39.9pp | 70.1%-34.8pp | 80.7%-45.4pp |
| Annual return | 7.45% | 45.00%-37.6pp | 36.89%-29.4pp | 172.34%-164.9pp |
| Employer contribution / active EE | $948 | $2,851-66.8% | $2,399-60.5% | $4,379-78.4% |
| Participant deferral / active EE | $1,520 | $4,743-67.9% | $4,137-63.2% | $6,730-77.4% |
| Admin fee / account holder | $10,187 | $11,502-11.4% | $9,741+4.6% | $14,365-29.1% |