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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 | $11,208 | $102,938-89.1% | $94,105-88.1% | $138,895-91.9% |
| Participation rate | 47.1% | 74.6%-27.6pp | 71.9%-24.9pp | 79.9%-32.9pp |
| Annual return | 6.41% | 250.28%-243.9pp | 204.55%-198.1pp | 145.39%-139.0pp |
| Employer contribution / active EE | $712 | $2,732-73.9% | $2,504-71.6% | $4,194-83.0% |
| Participant deferral / active EE | $1,264 | $4,196-69.9% | $3,881-67.4% | $6,396-80.2% |
| Admin fee / account holder | $14,364 | $6,600+117.6% | $6,199+131.7% | $12,562+14.3% |