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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 | $28,946 | $60,349-52.0% | $74,184-61.0% | $62,881-54.0% |
| Participation rate | 50.0% | 72.7%-22.7pp | 76.6%-26.6pp | 69.3%-19.3pp |
| Annual return | 3.90% | 21.38%-17.5pp | 17.74%-13.8pp | 20.14%-16.2pp |
| Employer contribution / active EE | $822 | $1,680-51.1% | $2,370-65.3% | $2,281-64.0% |
| Participant deferral / active EE | $2,047 | $2,856-28.3% | $3,550-42.3% | $3,203-36.1% |
| Admin fee / account holder | $7,530 | $4,261+76.7% | $5,586+34.8% | $4,296+75.3% |