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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 | $62,412 | $84,236-25.9% | $170,435-63.4% | $70,126-11.0% |
| Participation rate | 35.5% | 70.8%-35.3pp | 83.6%-48.1pp | 69.5%-34.1pp |
| Annual return | 8.87% | 23.06%-14.2pp | 205.94%-197.1pp | 73.15%-64.3pp |
| Employer contribution / active EE | $398 | $3,387-88.2% | $5,432-92.7% | $2,343-83.0% |
| Participant deferral / active EE | $2,436 | $3,086-21.1% | $4,939-50.7% | $3,332-26.9% |
| Admin fee / account holder | $1,519 | $5,698-73.3% | $13,881-89.1% | $4,645-67.3% |