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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 | $32,917 | $77,638-57.6% | $156,551-79.0% | $62,881-47.7% |
| Participation rate | 54.3% | 71.2%-16.9pp | 84.0%-29.8pp | 69.3%-15.0pp |
| Annual return | 1.03% | 50.33%-49.3pp | 32.23%-31.2pp | 20.14%-19.1pp |
| Employer contribution / active EE | $711 | $3,444-79.3% | $5,501-87.1% | $2,281-68.8% |
| Participant deferral / active EE | $1,101 | $3,046-63.9% | $4,871-77.4% | $3,203-65.6% |
| Admin fee / account holder | $1,194 | $5,561-78.5% | $13,028-90.8% | $4,296-72.2% |