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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 | $25,345 | $57,140-55.6% | $85,240-70.3% | $80,959-68.7% |
| Participation rate | 31.4% | 56.4%-25.0pp | 67.5%-36.1pp | 67.7%-36.2pp |
| Annual return | 10.14% | 21.71%-11.6pp | 66.75%-56.6pp | 35.67%-25.5pp |
| Employer contribution / active EE | $501 | $1,802-72.2% | $2,735-81.7% | $2,757-81.8% |
| Participant deferral / active EE | $1,008 | $3,115-67.7% | $4,527-77.7% | $4,300-76.6% |
| Admin fee / account holder | $500 | $4,992-90.0% | $6,165-91.9% | $6,925-92.8% |