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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 | $33,445 | $86,919-61.5% | $102,457-67.4% | $80,911-58.7% |
| Participation rate | 61.1% | 72.4%-11.3pp | 76.5%-15.4pp | 67.6%-6.5pp |
| Annual return | 9.20% | 18.90%-9.7pp | 29.41%-20.2pp | 35.63%-26.4pp |
| Employer contribution / active EE | $2,674 | $2,368+12.9% | $3,022-11.5% | $2,756-3.0% |
| Participant deferral / active EE | $5,496 | $4,119+33.4% | $5,054+8.7% | $4,297+27.9% |
| Admin fee / account holder | $3,412 | $8,049-57.6% | $9,451-63.9% | $6,935-50.8% |