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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 | $81,276-58.6% | $155,574-78.4% | $80,925-58.4% |
| Participation rate | 39.3% | 66.2%-27.0pp | 78.2%-38.9pp | 67.7%-28.4pp |
| Annual return | 8.62% | 33.36%-24.7pp | 64.87%-56.2pp | 35.65%-27.0pp |
| Employer contribution / active EE | $813 | $3,103-73.8% | $4,676-82.6% | $2,756-70.5% |
| Participant deferral / active EE | $1,299 | $3,453-62.4% | $5,629-76.9% | $4,299-69.8% |
| Admin fee / account holder | $1,716 | $7,993-78.5% | $15,914-89.2% | $6,940-75.3% |