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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 | $15,961 | $111,830-85.7% | $93,696-83.0% | $145,884-89.1% |
| Participation rate | 44.4% | 74.2%-29.8pp | 68.7%-24.3pp | 80.3%-35.9pp |
| Annual return | 1.47% | 204.08%-202.6pp | 133.74%-132.3pp | 551.85%-550.4pp |
| Employer contribution / active EE | $770 | $3,093-75.1% | $2,422-68.2% | $4,662-83.5% |
| Participant deferral / active EE | $6,428 | $4,920+30.7% | $4,417+45.5% | $6,690-3.9% |
| Admin fee / account holder | $2,215 | $10,249-78.4% | $8,287-73.3% | $13,392-83.5% |