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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 | $31,985 | $71,230-55.1% | $93,727-65.9% | $80,959-60.5% |
| Participation rate | 34.1% | 60.4%-26.3pp | 68.7%-34.6pp | 67.7%-33.6pp |
| Annual return | 9.28% | 11.26%-2.0pp | 133.83%-124.5pp | 35.67%-26.4pp |
| Employer contribution / active EE | $942 | $1,565-39.8% | $2,421-61.1% | $2,757-65.8% |
| Participant deferral / active EE | $2,140 | $4,037-47.0% | $4,417-51.6% | $4,300-50.2% |
| Admin fee / account holder | $1,497 | $6,961-78.5% | $8,292-81.9% | $6,925-78.4% |