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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 | $36,188 | $63,845-43.3% | $81,370-55.5% | $80,959-55.3% |
| Participation rate | 20.3% | 63.9%-43.6pp | 69.5%-49.3pp | 67.7%-47.4pp |
| Annual return | 8.88% | 16.37%-7.5pp | 24.85%-16.0pp | 35.67%-26.8pp |
| Employer contribution / active EE | $429 | $1,980-78.3% | $2,464-82.6% | $2,757-84.4% |
| Participant deferral / active EE | $1,312 | $3,093-57.6% | $3,885-66.2% | $4,300-69.5% |
| Admin fee / account holder | $14,818 | $5,688+160.5% | $5,749+157.7% | $6,925+114.0% |