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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 | $30,629 | $57,590-46.8% | $86,233-64.5% | $82,448-62.9% |
| Participation rate | 18.2% | 57.9%-39.7pp | 69.0%-50.8pp | 68.1%-49.9pp |
| Annual return | 4.79% | 22.41%-17.6pp | 61.39%-56.6pp | 41.64%-36.8pp |
| Employer contribution / active EE | $432 | $1,655-73.9% | $2,504-82.7% | $2,551-83.1% |
| Participant deferral / active EE | $814 | $3,080-73.6% | $4,559-82.2% | $4,139-80.3% |
| Admin fee / account holder | $50,995 | $4,730+978.0% | $8,342+511.3% | $7,234+604.9% |