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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 | $10,934 | $77,920-86.0% | $149,723-92.7% | $75,177-85.5% |
| Participation rate | 68.2% | 65.6%+2.6pp | 78.8%-10.6pp | 67.2%+1.0pp |
| Annual return | 10.83% | 31.72%-20.9pp | 134.50%-123.7pp | 160.75%-149.9pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,444 | $3,411-28.4% | $5,682-57.0% | $4,126-40.8% |
| Admin fee / account holder | $3,992 | $5,951-32.9% | $13,215-69.8% | $5,651-29.4% |