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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 | $38,590 | $115,931-66.7% | $185,441-79.2% | $86,983-55.6% |
| Participation rate | 46.9% | 73.6%-26.7pp | 80.3%-33.4pp | 69.5%-22.7pp |
| Annual return | 10.11% | 21.47%-11.4pp | 20.16%-10.1pp | 25.83%-15.7pp |
| Employer contribution / active EE | $876 | $2,937-70.2% | $4,672-81.3% | $2,584-66.1% |
| Participant deferral / active EE | $4,113 | $4,551-9.6% | $6,152-33.1% | $4,194-1.9% |
| Admin fee / account holder | $18,687 | $10,687+74.9% | $17,890+4.5% | $7,856+137.9% |