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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 | $9,827 | $76,407-87.1% | $150,298-93.5% | $82,448-88.1% |
| Participation rate | 27.8% | 66.4%-38.6pp | 77.8%-50.0pp | 68.1%-40.3pp |
| Annual return | 11.81% | 39.99%-28.2pp | 62.79%-51.0pp | 41.64%-29.8pp |
| Employer contribution / active EE | $926 | $2,614-64.6% | $4,154-77.7% | $2,551-63.7% |
| Participant deferral / active EE | $964 | $3,214-70.0% | $5,453-82.3% | $4,139-76.7% |
| Admin fee / account holder | $3,475 | $6,352-45.3% | $14,116-75.4% | $7,234-52.0% |