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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 | $14,985 | $81,233-81.6% | $155,567-90.4% | $80,874-81.5% |
| Participation rate | 39.2% | 66.2%-27.0pp | 78.2%-39.0pp | 67.6%-28.4pp |
| Annual return | 8.73% | 33.33%-24.6pp | 64.74%-56.0pp | 35.62%-26.9pp |
| Employer contribution / active EE | $853 | $3,101-72.5% | $4,674-81.7% | $2,756-69.0% |
| Participant deferral / active EE | $1,091 | $3,452-68.4% | $5,628-80.6% | $4,297-74.6% |
| Admin fee / account holder | $7,551 | $7,998-5.6% | $15,916-52.6% | $6,935+8.9% |