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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 | $22,469 | $51,708-56.5% | $106,619-78.9% | $62,881-64.3% |
| Participation rate | 13.8% | 66.9%-53.1pp | 78.0%-64.2pp | 69.3%-55.5pp |
| Annual return | 2.85% | 4.69%-1.8pp | 9.42%-6.6pp | 20.14%-17.3pp |
| Employer contribution / active EE | $706 | $1,764-60.0% | $3,947-82.1% | $2,281-69.1% |
| Participant deferral / active EE | $1,287 | $2,315-44.4% | $3,930-67.3% | $3,203-59.8% |
| Admin fee / account holder | $1,330 | $3,349-60.3% | $6,418-79.3% | $4,296-69.1% |