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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 | $24,070 | $96,956-75.2% | $69,779-65.5% | $273,972-91.2% |
| Participation rate | 66.7% | 77.1%-10.4pp | 71.8%-5.2pp | 83.0%-16.3pp |
| Annual return | -0.30% | 12.93%-13.2pp | 12.99%-13.3pp | 41.46%-41.8pp |
| Employer contribution / active EE | $908 | $3,316-72.6% | $2,338-61.2% | $4,869-81.4% |
| Participant deferral / active EE | $1,185 | $3,744-68.4% | $2,931-59.6% | $5,287-77.6% |
| Admin fee / account holder | $2,625 | $7,934-66.9% | $4,381-40.1% | $10,133-74.1% |