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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 | $33,665 | $81,358-58.6% | $155,556-78.4% | $80,959-58.4% |
| Participation rate | 39.3% | 66.3%-27.0pp | 78.2%-38.9pp | 67.7%-28.4pp |
| Annual return | 8.62% | 33.39%-24.8pp | 64.84%-56.2pp | 35.67%-27.0pp |
| Employer contribution / active EE | $813 | $3,106-73.8% | $4,675-82.6% | $2,757-70.5% |
| Participant deferral / active EE | $1,299 | $3,455-62.4% | $5,631-76.9% | $4,300-69.8% |
| Admin fee / account holder | $1,716 | $7,994-78.5% | $15,885-89.2% | $6,925-75.2% |