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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 | $81,276-81.6% | $155,574-90.4% | $80,925-81.5% |
| Participation rate | 39.2% | 66.2%-27.0pp | 78.2%-39.0pp | 67.7%-28.4pp |
| Annual return | 8.73% | 33.36%-24.6pp | 64.87%-56.1pp | 35.65%-26.9pp |
| Employer contribution / active EE | $853 | $3,103-72.5% | $4,676-81.8% | $2,756-69.0% |
| Participant deferral / active EE | $1,091 | $3,453-68.4% | $5,629-80.6% | $4,299-74.6% |
| Admin fee / account holder | $7,551 | $7,993-5.5% | $15,914-52.6% | $6,940+8.8% |