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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 | $37,198 | $98,776-62.3% | $149,745-75.2% | $79,856-53.4% |
| Participation rate | 65.8% | 75.8%-10.0pp | 82.5%-16.7pp | 69.6%-3.9pp |
| Annual return | 9.71% | 27.38%-17.7pp | 276.72%-267.0pp | 31.71%-22.0pp |
| Employer contribution / active EE | $811 | $3,217-74.8% | $4,646-82.5% | $2,471-67.2% |
| Participant deferral / active EE | $3,243 | $5,681-42.9% | $6,843-52.6% | $3,741-13.3% |
| Admin fee / account holder | $12,398 | $6,053+104.8% | $9,312+33.1% | $5,306+133.6% |