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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 | $27,841 | $81,504-65.8% | $102,437-72.8% | $80,959-65.6% |
| Participation rate | 41.9% | 66.9%-24.9pp | 74.5%-32.6pp | 67.7%-25.7pp |
| Annual return | 9.91% | 25.60%-15.7pp | 24.95%-15.0pp | 35.67%-25.8pp |
| Employer contribution / active EE | $997 | $3,104-67.9% | $3,871-74.3% | $2,757-63.9% |
| Participant deferral / active EE | $2,514 | $3,871-35.0% | $5,060-50.3% | $4,300-41.5% |
| Admin fee / account holder | $4,741 | $6,719-29.4% | $8,388-43.5% | $6,925-31.5% |