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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 | $46,052 | $50,972-9.7% | $88,632-48.0% | $72,976-36.9% |
| Participation rate | 37.0% | 63.4%-26.4pp | 68.8%-31.7pp | 69.5%-32.5pp |
| Annual return | 15.77% | 29.62%-13.9pp | 43.75%-28.0pp | 81.02%-65.2pp |
| Employer contribution / active EE | $254 | $1,475-82.8% | $2,101-87.9% | $2,440-89.6% |
| Participant deferral / active EE | $1,016 | $2,230-54.4% | $2,917-65.2% | $3,608-71.8% |
| Admin fee / account holder | $589 | $3,230-81.8% | $4,308-86.3% | $5,124-88.5% |