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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 | $36,238 | $62,592-42.1% | $85,709-57.7% | $85,847-57.8% |
| Participation rate | 41.5% | 61.1%-19.6pp | 69.9%-28.3pp | 69.3%-27.8pp |
| Annual return | 8.36% | 23.77%-15.4pp | 21.49%-13.1pp | 318.61%-310.3pp |
| Employer contribution / active EE | $485 | $1,755-72.4% | $2,619-81.5% | $2,565-81.1% |
| Participant deferral / active EE | $1,390 | $2,802-50.4% | $3,924-64.6% | $3,952-64.8% |
| Admin fee / account holder | $8,990 | $4,643+93.6% | $6,876+30.8% | $6,261+43.6% |