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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 | $23,478 | $47,848-50.9% | $81,473-71.2% | $70,124-66.5% |
| Participation rate | 30.4% | 58.3%-27.8pp | 68.0%-37.5pp | 69.5%-39.1pp |
| Annual return | 12.95% | 27.25%-14.3pp | 38.78%-25.8pp | 73.14%-60.2pp |
| Employer contribution / active EE | $370 | $1,527-75.8% | $2,568-85.6% | $2,342-84.2% |
| Participant deferral / active EE | $1,838 | $2,453-25.1% | $3,537-48.0% | $3,332-44.8% |
| Admin fee / account holder | $9,630 | $3,145+206.2% | $4,561+111.1% | $4,645+107.3% |