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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 | $37,527 | $58,493-35.8% | $84,023-55.3% | $72,976-48.6% |
| Participation rate | 32.4% | 61.2%-28.8pp | 69.0%-36.6pp | 69.5%-37.1pp |
| Annual return | 16.22% | 28.93%-12.7pp | 71.32%-55.1pp | 81.02%-64.8pp |
| Employer contribution / active EE | $858 | $1,163-26.3% | $1,984-56.8% | $2,440-64.8% |
| Participant deferral / active EE | $1,131 | $2,394-52.8% | $3,239-65.1% | $3,608-68.7% |
| Admin fee / account holder | $4,513 | $4,569-1.2% | $6,102-26.0% | $5,124-11.9% |