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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 | $48,916 | $56,894-14.0% | $84,753-42.3% | $62,881-22.2% |
| Participation rate | 40.5% | 68.5%-28.0pp | 76.6%-36.1pp | 69.3%-28.8pp |
| Annual return | 2.78% | 6.30%-3.5pp | 22.78%-20.0pp | 20.14%-17.4pp |
| Employer contribution / active EE | $473 | $2,400-80.3% | $3,574-86.8% | $2,281-79.2% |
| Participant deferral / active EE | $1,562 | $2,709-42.3% | $3,712-57.9% | $3,203-51.2% |
| Admin fee / account holder | $6,866 | $3,581+91.7% | $5,333+28.7% | $4,296+59.8% |