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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 | $26,729 | $99,345-73.1% | $84,753-68.5% | $273,972-90.2% |
| Participation rate | 57.1% | 80.7%-23.6pp | 76.6%-19.5pp | 83.0%-25.9pp |
| Annual return | 0.99% | 22.93%-21.9pp | 22.78%-21.8pp | 41.46%-40.5pp |
| Employer contribution / active EE | $886 | $4,214-79.0% | $3,574-75.2% | $4,869-81.8% |
| Participant deferral / active EE | $2,277 | $4,270-46.7% | $3,712-38.6% | $5,287-56.9% |
| Admin fee / account holder | $1,805 | $6,645-72.8% | $5,333-66.2% | $10,133-82.2% |