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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 | $31,948 | $47,848-33.2% | $81,473-60.8% | $70,126-54.4% |
| Participation rate | 41.9% | 58.3%-16.4pp | 68.0%-26.1pp | 69.5%-27.7pp |
| Annual return | 8.19% | 27.25%-19.1pp | 38.78%-30.6pp | 73.15%-65.0pp |
| Employer contribution / active EE | $248 | $1,527-83.8% | $2,568-90.3% | $2,343-89.4% |
| Participant deferral / active EE | $1,059 | $2,453-56.8% | $3,537-70.1% | $3,332-68.2% |
| Admin fee / account holder | $24,175 | $3,145+668.7% | $4,561+430.0% | $4,645+420.4% |