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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 | $57,073-81.8% | $85,126-87.8% | $80,925-87.2% |
| Participation rate | 40.6% | 56.4%-15.8pp | 67.5%-26.9pp | 67.7%-27.0pp |
| Annual return | 9.51% | 21.69%-12.2pp | 66.63%-57.1pp | 35.65%-26.1pp |
| Employer contribution / active EE | $633 | $1,801-64.8% | $2,731-76.8% | $2,756-77.0% |
| Participant deferral / active EE | $1,875 | $3,113-39.8% | $4,523-58.5% | $4,299-56.4% |
| Admin fee / account holder | $1,812 | $4,988-63.7% | $6,160-70.6% | $6,940-73.9% |