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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 | $24,869 | $39,028-36.3% | $80,741-69.2% | $85,847-71.0% |
| Participation rate | 26.9% | 41.6%-14.6pp | 54.2%-27.2pp | 69.3%-42.4pp |
| Annual return | 9.32% | 26.31%-17.0pp | 87.30%-78.0pp | 318.61%-309.3pp |
| Employer contribution / active EE | $441 | $722-38.9% | $1,160-62.0% | $2,565-82.8% |
| Participant deferral / active EE | $1,474 | $1,326+11.2% | $2,145-31.3% | $3,952-62.7% |
| Admin fee / account holder | $3,288 | $2,429+35.3% | $3,380-2.7% | $6,261-47.5% |