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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 | $33,128 | $106,280-68.8% | $96,538-65.7% | $139,487-76.2% |
| Participation rate | 53.3% | 77.8%-24.5pp | 74.3%-21.0pp | 80.3%-27.0pp |
| Annual return | 10.60% | 38.48%-27.9pp | 35.74%-25.1pp | 373.84%-363.2pp |
| Employer contribution / active EE | $1,244 | $4,107-69.7% | $3,740-66.7% | $4,755-73.8% |
| Participant deferral / active EE | $2,173 | $5,457-60.2% | $4,880-55.5% | $6,713-67.6% |
| Admin fee / account holder | $9,137 | $7,888+15.8% | $6,737+35.6% | $11,407-19.9% |