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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 | $12,253 | $85,024-85.6% | $70,544-82.6% | $139,466-91.2% |
| Participation rate | 50.0% | 73.9%-23.9pp | 68.4%-18.4pp | 80.3%-30.3pp |
| Annual return | 9.71% | 30.39%-20.7pp | 32.79%-23.1pp | 373.66%-364.0pp |
| Employer contribution / active EE | $887 | $3,912-77.3% | $2,976-70.2% | $4,754-81.3% |
| Participant deferral / active EE | $1,024 | $5,891-82.6% | $4,568-77.6% | $6,712-84.7% |
| Admin fee / account holder | $2,737 | $8,928-69.3% | $6,427-57.4% | $11,409-76.0% |