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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 | $30,073 | $91,167-67.0% | $178,498-83.2% | $79,858-62.3% |
| Participation rate | 39.3% | 69.2%-29.9pp | 81.9%-42.6pp | 69.6%-30.3pp |
| Annual return | 8.84% | 24.19%-15.4pp | 151.09%-142.3pp | 31.72%-22.9pp |
| Employer contribution / active EE | $456 | $3,255-86.0% | $5,011-90.9% | $2,471-81.5% |
| Participant deferral / active EE | $932 | $3,236-71.2% | $5,202-82.1% | $3,740-75.1% |
| Admin fee / account holder | $565 | $6,747-91.6% | $13,985-96.0% | $5,306-89.3% |