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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 | $25,909 | $32,037-19.1% | $69,182-62.5% | $62,881-58.8% |
| Participation rate | 31.6% | 43.4%-11.8pp | 55.1%-23.5pp | 69.3%-37.7pp |
| Annual return | 4.11% | 15.16%-11.1pp | -21.93%+26.0pp | 20.14%-16.0pp |
| Employer contribution / active EE | $526 | $679-22.6% | $1,206-56.4% | $2,281-76.9% |
| Participant deferral / active EE | $1,242 | $1,185+4.8% | $1,897-34.5% | $3,203-61.2% |
| Admin fee / account holder | $6,671 | $2,608+155.8% | $2,697+147.4% | $4,296+55.3% |