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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 | $10,383 | $57,140-81.8% | $85,240-87.8% | $80,959-87.2% |
| Participation rate | 40.6% | 56.4%-15.8pp | 67.5%-26.9pp | 67.7%-27.0pp |
| Annual return | 9.51% | 21.71%-12.2pp | 66.75%-57.2pp | 35.67%-26.2pp |
| Employer contribution / active EE | $633 | $1,802-64.9% | $2,735-76.9% | $2,757-77.0% |
| Participant deferral / active EE | $1,875 | $3,115-39.8% | $4,527-58.6% | $4,300-56.4% |
| Admin fee / account holder | $1,812 | $4,992-63.7% | $6,165-70.6% | $6,925-73.8% |