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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 | $39,332 | $68,880-42.9% | $120,580-67.4% | $80,959-51.4% |
| Participation rate | 55.2% | 61.7%-6.5pp | 72.0%-16.8pp | 67.7%-12.5pp |
| Annual return | 6.99% | 23.68%-16.7pp | 107.48%-100.5pp | 35.67%-28.7pp |
| Employer contribution / active EE | $645 | $2,066-68.8% | $3,469-81.4% | $2,757-76.6% |
| Participant deferral / active EE | $1,209 | $3,191-62.1% | $4,995-75.8% | $4,300-71.9% |
| Admin fee / account holder | $9,300 | $5,785+60.8% | $9,418-1.3% | $6,925+34.3% |