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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 | $18,474 | $91,198-79.7% | $178,503-89.7% | $79,856-76.9% |
| Participation rate | 59.1% | 69.2%-10.1pp | 81.9%-22.8pp | 69.6%-10.5pp |
| Annual return | 4.68% | 24.20%-19.5pp | 151.12%-146.4pp | 31.71%-27.0pp |
| Employer contribution / active EE | $835 | $3,257-74.3% | $5,011-83.3% | $2,471-66.2% |
| Participant deferral / active EE | $1,938 | $3,237-40.1% | $5,202-62.7% | $3,741-48.2% |
| Admin fee / account holder | $7,679 | $6,748+13.8% | $13,987-45.1% | $5,306+44.7% |