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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 | $22,284 | $50,812-56.1% | $155,602-85.7% | $77,692-71.3% |
| Participation rate | 22.4% | 63.1%-40.7pp | 78.2%-55.8pp | 70.6%-48.2pp |
| Annual return | 11.40% | 34.85%-23.5pp | 64.81%-53.4pp | 31.25%-19.9pp |
| Employer contribution / active EE | $508 | $1,989-74.4% | $4,675-89.1% | $2,726-81.4% |
| Participant deferral / active EE | $1,209 | $2,822-57.2% | $5,629-78.5% | $4,648-74.0% |
| Admin fee / account holder | $3,163 | $436+625.3% | $15,923-80.1% | $431+634.8% |