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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 | $30,921 | $55,932-44.7% | $76,735-59.7% | $67,986-54.5% |
| Participation rate | 54.5% | 50.8%+3.7pp | 69.5%-15.0pp | 57.2%-2.7pp |
| Annual return | 10.28% | 23.10%-12.8pp | 29.77%-19.5pp | 31.67%-21.4pp |
| Employer contribution / active EE | $0 | $1,487-100.0% | $2,454-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,136 | $2,558-55.6% | $4,088-72.2% | $3,358-66.2% |
| Admin fee / account holder | $12,950 | $4,907+163.9% | $7,189+80.1% | $3,203+304.3% |