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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 | $40,754 | $57,140-28.7% | $85,240-52.2% | $80,959-49.7% |
| Participation rate | 57.4% | 56.4%+1.0pp | 67.5%-10.1pp | 67.7%-10.3pp |
| Annual return | 9.02% | 21.71%-12.7pp | 66.75%-57.7pp | 35.67%-26.6pp |
| Employer contribution / active EE | $710 | $1,802-60.6% | $2,735-74.0% | $2,757-74.2% |
| Participant deferral / active EE | $1,874 | $3,115-39.8% | $4,527-58.6% | $4,300-56.4% |
| Admin fee / account holder | $4,244 | $4,992-15.0% | $6,165-31.2% | $6,925-38.7% |