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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 | $19,468 | $81,358-76.1% | $155,556-87.5% | $80,959-76.0% |
| Participation rate | 36.5% | 66.3%-29.8pp | 78.2%-41.7pp | 67.7%-31.2pp |
| Annual return | 10.37% | 33.39%-23.0pp | 64.84%-54.5pp | 35.67%-25.3pp |
| Employer contribution / active EE | $625 | $3,106-79.9% | $4,675-86.6% | $2,757-77.3% |
| Participant deferral / active EE | $1,385 | $3,455-59.9% | $5,631-75.4% | $4,300-67.8% |
| Admin fee / account holder | $660 | $7,994-91.7% | $15,885-95.8% | $6,925-90.5% |