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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 | $25,900 | $56,054-53.8% | $171,082-84.9% | $62,881-58.8% |
| Participation rate | 55.9% | 62.9%-7.0pp | 76.7%-20.8pp | 69.3%-13.4pp |
| Annual return | -0.01% | 22.52%-22.5pp | 32.56%-32.6pp | 20.14%-20.2pp |
| Employer contribution / active EE | $862 | $1,731-50.2% | $4,002-78.5% | $2,281-62.2% |
| Participant deferral / active EE | $1,277 | $3,158-59.6% | $4,797-73.4% | $3,203-60.1% |
| Admin fee / account holder | $7,724 | $3,647+111.8% | $8,520-9.3% | $4,296+79.8% |