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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 | $27,504 | $37,156-26.0% | $83,854-67.2% | $86,983-68.4% |
| Participation rate | 36.4% | 49.1%-12.7pp | 59.1%-22.7pp | 69.5%-33.2pp |
| Annual return | 9.65% | 29.88%-20.2pp | 31.39%-21.7pp | 25.83%-16.2pp |
| Employer contribution / active EE | $789 | $661+19.4% | $1,017-22.4% | $2,584-69.5% |
| Participant deferral / active EE | $1,888 | $1,418+33.2% | $2,035-7.2% | $4,194-55.0% |
| Admin fee / account holder | $23,235 | $2,510+825.8% | $3,197+626.8% | $7,856+195.8% |