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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 | $24,979 | $37,446-33.3% | $77,552-67.8% | $79,856-68.7% |
| Participation rate | 17.9% | 41.5%-23.6pp | 54.2%-36.2pp | 69.6%-51.7pp |
| Annual return | 1.76% | 39.76%-38.0pp | 54.82%-53.1pp | 31.71%-30.0pp |
| Employer contribution / active EE | $249 | $637-61.0% | $987-74.8% | $2,471-89.9% |
| Participant deferral / active EE | $1,515 | $1,261+20.2% | $1,861-18.6% | $3,741-59.5% |
| Admin fee / account holder | $1,944 | $2,506-22.4% | $2,859-32.0% | $5,306-63.4% |