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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 | $17,848 | $91,179-80.4% | $178,499-90.0% | $79,852-77.6% |
| Participation rate | 54.8% | 69.2%-14.4pp | 81.9%-27.2pp | 69.6%-14.9pp |
| Annual return | 8.57% | 24.19%-15.6pp | 151.10%-142.5pp | 31.72%-23.2pp |
| Employer contribution / active EE | $1,498 | $3,256-54.0% | $5,011-70.1% | $2,471-39.4% |
| Participant deferral / active EE | $2,105 | $3,236-34.9% | $5,202-59.5% | $3,740-43.7% |
| Admin fee / account holder | $887 | $6,749-86.9% | $13,986-93.7% | $5,306-83.3% |