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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 | $23,785 | $48,078-50.5% | $78,676-69.8% | $62,881-62.2% |
| Participation rate | 48.4% | 65.2%-16.8pp | 73.6%-25.2pp | 69.3%-20.9pp |
| Annual return | 1.27% | 31.36%-30.1pp | 62.19%-60.9pp | 20.14%-18.9pp |
| Employer contribution / active EE | $380 | $2,015-81.1% | $2,850-86.7% | $2,281-83.3% |
| Participant deferral / active EE | $1,173 | $2,587-54.7% | $3,517-66.6% | $3,203-63.4% |
| Admin fee / account holder | $5,075 | $3,206+58.3% | $4,510+12.5% | $4,296+18.1% |