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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 | $17,815 | $75,541-76.4% | $152,093-88.3% | $82,637-78.4% |
| Participation rate | 28.1% | 66.5%-38.4pp | 77.8%-49.7pp | 68.1%-40.0pp |
| Annual return | 8.47% | 32.56%-24.1pp | 66.36%-57.9pp | 53.51%-45.0pp |
| Employer contribution / active EE | $635 | $2,622-75.8% | $4,175-84.8% | $2,552-75.1% |
| Participant deferral / active EE | $1,733 | $3,206-46.0% | $5,451-68.2% | $4,126-58.0% |
| Admin fee / account holder | $8,317 | $6,405+29.9% | $14,497-42.6% | $7,339+13.3% |