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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 | $41,692 | $91,198-54.3% | $178,503-76.6% | $79,856-47.8% |
| Participation rate | 43.5% | 69.2%-25.7pp | 81.9%-38.5pp | 69.6%-26.2pp |
| Annual return | 7.45% | 24.20%-16.7pp | 151.12%-143.7pp | 31.71%-24.3pp |
| Employer contribution / active EE | $1,174 | $3,257-63.9% | $5,011-76.6% | $2,471-52.5% |
| Participant deferral / active EE | $1,237 | $3,237-61.8% | $5,202-76.2% | $3,741-66.9% |
| Admin fee / account holder | $4,471 | $6,748-33.7% | $13,987-68.0% | $5,306-15.7% |