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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 | $28,735 | $79,955-64.1% | $98,450-70.8% | $75,181-61.8% |
| Participation rate | 53.3% | 70.4%-17.0pp | 75.2%-21.8pp | 67.2%-13.9pp |
| Annual return | 11.29% | 19.75%-8.5pp | 21.16%-9.9pp | 160.69%-149.4pp |
| Employer contribution / active EE | $1,124 | $2,264-50.4% | $3,049-63.1% | $2,671-57.9% |
| Participant deferral / active EE | $1,792 | $3,752-52.2% | $4,739-62.2% | $4,126-56.6% |
| Admin fee / account holder | $4,892 | $6,841-28.5% | $8,961-45.4% | $5,650-13.4% |