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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 | $24,873 | $68,573-63.7% | $120,368-79.3% | $80,874-69.2% |
| Participation rate | 67.7% | 61.6%+6.2pp | 71.9%-4.2pp | 67.6%+0.1pp |
| Annual return | 8.98% | 23.61%-14.6pp | 107.26%-98.3pp | 35.62%-26.6pp |
| Employer contribution / active EE | $1,102 | $2,052-46.3% | $3,465-68.2% | $2,756-60.0% |
| Participant deferral / active EE | $1,192 | $3,174-62.4% | $4,991-76.1% | $4,297-72.3% |
| Admin fee / account holder | $1,514 | $5,734-73.6% | $9,429-83.9% | $6,935-78.2% |