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 | $30,075 | $58,493-48.6% | $84,029-64.2% | $72,977-58.8% |
| Participation rate | 43.5% | 61.2%-17.8pp | 69.0%-25.5pp | 69.5%-26.0pp |
| Annual return | 15.73% | 28.93%-13.2pp | 71.32%-55.6pp | 81.02%-65.3pp |
| Employer contribution / active EE | $649 | $1,163-44.2% | $1,984-67.3% | $2,440-73.4% |
| Participant deferral / active EE | $1,752 | $2,394-26.8% | $3,239-45.9% | $3,608-51.4% |
| Admin fee / account holder | $7,047 | $4,569+54.3% | $6,102+15.5% | $5,124+37.5% |