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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 | $50,902-56.2% | $155,534-85.7% | $77,736-71.3% |
| Participation rate | 22.4% | 63.1%-40.7pp | 78.2%-55.8pp | 70.6%-48.2pp |
| Annual return | 11.40% | 34.85%-23.4pp | 64.92%-53.5pp | 31.26%-19.9pp |
| Employer contribution / active EE | $508 | $1,991-74.5% | $4,675-89.1% | $2,728-81.4% |
| Participant deferral / active EE | $1,209 | $2,824-57.2% | $5,630-78.5% | $4,651-74.0% |
| Admin fee / account holder | $3,163 | $437+623.9% | $15,900-80.1% | $433+630.0% |