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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 | $49,171 | $57,073-13.8% | $85,126-42.2% | $80,925-39.2% |
| Participation rate | 32.4% | 56.4%-24.0pp | 67.5%-35.1pp | 67.7%-35.2pp |
| Annual return | 9.98% | 21.69%-11.7pp | 66.63%-56.6pp | 35.65%-25.7pp |
| Employer contribution / active EE | $923 | $1,801-48.7% | $2,731-66.2% | $2,756-66.5% |
| Participant deferral / active EE | $1,734 | $3,113-44.3% | $4,523-61.7% | $4,299-59.7% |
| Admin fee / account holder | $17,032 | $4,988+241.5% | $6,160+176.5% | $6,940+145.4% |