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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 | $57,119-28.7% | $85,187-52.2% | $80,935-49.6% |
| Participation rate | 57.4% | 56.4%+1.0pp | 67.5%-10.1pp | 67.7%-10.3pp |
| Annual return | 9.02% | 21.70%-12.7pp | 66.67%-57.6pp | 35.66%-26.6pp |
| Employer contribution / active EE | $710 | $1,802-60.6% | $2,732-74.0% | $2,757-74.2% |
| Participant deferral / active EE | $1,874 | $3,115-39.8% | $4,525-58.6% | $4,299-56.4% |
| Admin fee / account holder | $4,244 | $4,990-14.9% | $6,162-31.1% | $6,924-38.7% |