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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 | $31,378 | $72,486-56.7% | $87,103-64.0% | $72,976-57.0% |
| Participation rate | 45.5% | 72.8%-27.4pp | 76.9%-31.4pp | 69.5%-24.0pp |
| Annual return | 13.74% | 24.46%-10.7pp | 28.19%-14.5pp | 81.02%-67.3pp |
| Employer contribution / active EE | $782 | $1,894-58.7% | $2,521-69.0% | $2,440-67.9% |
| Participant deferral / active EE | $1,520 | $3,270-53.5% | $4,049-62.5% | $3,608-57.9% |
| Admin fee / account holder | $14,138 | $5,055+179.7% | $7,491+88.7% | $5,124+175.9% |