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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 | $32,150 | $55,889-42.5% | $76,119-57.8% | $80,935-60.3% |
| Participation rate | 54.9% | 62.1%-7.2pp | 69.1%-14.2pp | 67.7%-12.8pp |
| Annual return | 9.05% | 20.58%-11.5pp | 361.25%-352.2pp | 35.66%-26.6pp |
| Employer contribution / active EE | $604 | $1,866-67.6% | $2,693-77.6% | $2,757-78.1% |
| Participant deferral / active EE | $1,543 | $3,051-49.4% | $4,259-63.8% | $4,299-64.1% |
| Admin fee / account holder | $6,503 | $5,241+24.1% | $6,421+1.3% | $6,924-6.1% |