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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 | $23,994 | $46,877-48.8% | $122,354-80.4% | $70,126-65.8% |
| Participation rate | 47.7% | 58.2%-10.5pp | 71.6%-23.9pp | 69.5%-21.8pp |
| Annual return | 11.39% | 24.22%-12.8pp | 30.28%-18.9pp | 73.15%-61.8pp |
| Employer contribution / active EE | $560 | $1,288-56.5% | $4,051-86.2% | $2,343-76.1% |
| Participant deferral / active EE | $1,375 | $2,167-36.5% | $3,287-58.2% | $3,332-58.7% |
| Admin fee / account holder | $7,789 | $3,324+134.3% | $5,479+42.2% | $4,645+67.7% |