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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 | $84,596 | $48,118+75.8% | $136,833-38.2% | $94,015-10.0% |
| Participation rate | 29.6% | 47.4%-17.8pp | 59.0%-29.4pp | 70.8%-41.2pp |
| Annual return | 8.91% | 14.65%-5.7pp | 35.32%-26.4pp | 17.84%-8.9pp |
| Employer contribution / active EE | $313 | $821-61.9% | $1,319-76.3% | $2,790-88.8% |
| Participant deferral / active EE | $1,577 | $1,651-4.5% | $2,441-35.4% | $4,249-62.9% |
| Admin fee / account holder | $1,088 | $3,059-64.4% | $4,706-76.9% | $8,951-87.8% |