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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 | $26,155 | $99,345-73.7% | $84,753-69.1% | $273,972-90.5% |
| Participation rate | 69.2% | 80.7%-11.5pp | 76.6%-7.4pp | 83.0%-13.8pp |
| Annual return | 0.37% | 22.93%-22.6pp | 22.78%-22.4pp | 41.46%-41.1pp |
| Employer contribution / active EE | $1,704 | $4,214-59.6% | $3,574-52.3% | $4,869-65.0% |
| Participant deferral / active EE | $2,283 | $4,270-46.5% | $3,712-38.5% | $5,287-56.8% |
| Admin fee / account holder | $3,568 | $6,645-46.3% | $5,333-33.1% | $10,133-64.8% |