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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 | $57,061-55.6% | $85,063-70.2% | $80,911-68.7% |
| Participation rate | 31.4% | 56.3%-24.9pp | 67.5%-36.1pp | 67.6%-36.2pp |
| Annual return | 10.14% | 21.66%-11.5pp | 66.54%-56.4pp | 35.63%-25.5pp |
| Employer contribution / active EE | $501 | $1,799-72.2% | $2,727-81.6% | $2,756-81.8% |
| Participant deferral / active EE | $1,008 | $3,110-67.6% | $4,523-77.7% | $4,297-76.6% |
| Admin fee / account holder | $500 | $4,986-90.0% | $6,155-91.9% | $6,935-92.8% |