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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 | $27,700 | $76,407-63.7% | $150,298-81.6% | $82,448-66.4% |
| Participation rate | 18.5% | 66.4%-47.9pp | 77.8%-59.2pp | 68.1%-49.5pp |
| Annual return | 10.78% | 39.99%-29.2pp | 62.79%-52.0pp | 41.64%-30.9pp |
| Employer contribution / active EE | $611 | $2,614-76.6% | $4,154-85.3% | $2,551-76.0% |
| Participant deferral / active EE | $1,040 | $3,214-67.6% | $5,453-80.9% | $4,139-74.9% |
| Admin fee / account holder | $21,548 | $6,352+239.2% | $14,116+52.7% | $7,234+197.9% |