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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 | $33,660 | $84,236-60.0% | $170,439-80.3% | $70,124-52.0% |
| Participation rate | 48.8% | 70.8%-22.0pp | 83.6%-34.8pp | 69.5%-20.7pp |
| Annual return | 8.23% | 23.06%-14.8pp | 205.94%-197.7pp | 73.14%-64.9pp |
| Employer contribution / active EE | $597 | $3,387-82.4% | $5,433-89.0% | $2,342-74.5% |
| Participant deferral / active EE | $1,825 | $3,086-40.9% | $4,939-63.0% | $3,332-45.2% |
| Admin fee / account holder | $349 | $5,698-93.9% | $13,881-97.5% | $4,645-92.5% |