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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 | $28,769 | $81,358-64.6% | $155,556-81.5% | $80,959-64.5% |
| Participation rate | 38.8% | 66.3%-27.5pp | 78.2%-39.4pp | 67.7%-28.9pp |
| Annual return | 6.94% | 33.39%-26.5pp | 64.84%-57.9pp | 35.67%-28.7pp |
| Employer contribution / active EE | $716 | $3,106-77.0% | $4,675-84.7% | $2,757-74.0% |
| Participant deferral / active EE | $948 | $3,455-72.6% | $5,631-83.2% | $4,300-78.0% |
| Admin fee / account holder | $2,139 | $7,994-73.2% | $15,885-86.5% | $6,925-69.1% |