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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 | $13,998 | $93,064-85.0% | $74,577-81.2% | $273,972-94.9% |
| Participation rate | 42.9% | 74.9%-32.1pp | 68.1%-25.3pp | 83.0%-40.2pp |
| Annual return | 0.40% | 26.18%-25.8pp | 20.47%-20.1pp | 41.46%-41.1pp |
| Employer contribution / active EE | $2,790 | $3,160-11.7% | $2,525+10.5% | $4,869-42.7% |
| Participant deferral / active EE | $8,793 | $4,160+111.3% | $3,458+154.3% | $5,287+66.3% |
| Admin fee / account holder | $307 | $5,273-94.2% | $4,138-92.6% | $10,133-97.0% |