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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 | $21,844 | $41,377-47.2% | $109,313-80.0% | $62,881-65.3% |
| Participation rate | 61.4% | 57.5%+3.9pp | 71.3%-9.9pp | 69.3%-7.9pp |
| Annual return | 2.84% | 11.05%-8.2pp | 22.07%-19.2pp | 20.14%-17.3pp |
| Employer contribution / active EE | $1,286 | $1,276+0.8% | $3,892-66.9% | $2,281-43.6% |
| Participant deferral / active EE | $2,787 | $2,045+36.3% | $3,166-12.0% | $3,203-13.0% |
| Admin fee / account holder | $328 | $2,884-88.6% | $5,666-94.2% | $4,296-92.4% |