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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 | $22,656 | $65,364-65.3% | $92,909-75.6% | $72,975-69.0% |
| Participation rate | 40.7% | 68.3%-27.6pp | 76.0%-35.3pp | 69.5%-28.7pp |
| Annual return | 12.30% | 42.11%-29.8pp | 109.44%-97.1pp | 81.01%-68.7pp |
| Employer contribution / active EE | $1,396 | $2,594-46.2% | $3,653-61.8% | $2,440-42.8% |
| Participant deferral / active EE | $2,916 | $3,128-6.8% | $4,238-31.2% | $3,608-19.2% |
| Admin fee / account holder | $1,836 | $4,251-56.8% | $5,795-68.3% | $5,124-64.2% |