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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 | $24,429 | $69,590-64.9% | $136,867-82.2% | $94,015-74.0% |
| Participation rate | 63.0% | 66.3%-3.4pp | 74.5%-11.6pp | 70.8%-7.9pp |
| Annual return | 5.71% | 19.62%-13.9pp | 42.97%-37.3pp | 17.84%-12.1pp |
| Employer contribution / active EE | $1,107 | $2,396-53.8% | $3,547-68.8% | $2,790-60.3% |
| Participant deferral / active EE | $2,815 | $3,437-18.1% | $4,924-42.8% | $4,249-33.7% |
| Admin fee / account holder | $784 | $8,912-91.2% | $10,340-92.4% | $8,951-91.2% |