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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 | $30,648 | $76,371-59.9% | $93,621-67.3% | $72,975-58.0% |
| Participation rate | 67.1% | 71.8%-4.7pp | 75.8%-8.8pp | 69.5%-2.4pp |
| Annual return | 15.63% | 25.82%-10.2pp | 32.76%-17.1pp | 81.01%-65.4pp |
| Employer contribution / active EE | $431 | $2,276-81.0% | $2,719-84.1% | $2,440-82.3% |
| Participant deferral / active EE | $2,004 | $3,538-43.4% | $4,070-50.8% | $3,608-44.5% |
| Admin fee / account holder | $790 | $6,839-88.4% | $7,890-90.0% | $5,124-84.6% |