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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 | $31,714 | $112,729-71.9% | $98,716-67.9% | $137,256-76.9% |
| Participation rate | 33.3% | 74.2%-40.9pp | 69.3%-36.0pp | 80.0%-46.6pp |
| Annual return | 8.25% | 38.48%-30.2pp | 31.81%-23.6pp | 220.34%-212.1pp |
| Employer contribution / active EE | $577 | $2,725-78.8% | $2,279-74.7% | $4,156-86.1% |
| Participant deferral / active EE | $1,382 | $4,640-70.2% | $4,048-65.8% | $6,407-78.4% |
| Admin fee / account holder | $5,298 | $10,129-47.7% | $8,703-39.1% | $12,270-56.8% |