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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 | $28,750 | $89,515-67.9% | $103,065-72.1% | $80,959-64.5% |
| Participation rate | 63.2% | 76.0%-12.8pp | 80.6%-17.4pp | 67.7%-4.5pp |
| Annual return | 10.39% | 22.82%-12.4pp | 23.95%-13.6pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,216 | $4,015-69.7% | $4,675-74.0% | $2,757-55.9% |
| Participant deferral / active EE | $2,676 | $5,463-51.0% | $6,625-59.6% | $4,300-37.8% |
| Admin fee / account holder | $4,352 | $6,527-33.3% | $9,349-53.4% | $6,925-37.2% |