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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 | $27,553 | $100,262-72.5% | $81,370-66.1% | $145,897-81.1% |
| Participation rate | 35.7% | 74.3%-38.6pp | 69.5%-33.8pp | 80.3%-44.6pp |
| Annual return | 6.93% | 34.52%-27.6pp | 24.85%-17.9pp | 552.29%-545.4pp |
| Employer contribution / active EE | $782 | $2,979-73.7% | $2,464-68.2% | $4,663-83.2% |
| Participant deferral / active EE | $1,371 | $4,612-70.3% | $3,885-64.7% | $6,689-79.5% |
| Admin fee / account holder | $3,278 | $8,163-59.8% | $5,749-43.0% | $13,390-75.5% |