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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 | $30,996 | $54,541-43.2% | $78,778-60.7% | $70,126-55.8% |
| Participation rate | 29.0% | 60.8%-31.8pp | 69.2%-40.2pp | 69.5%-40.5pp |
| Annual return | 3.20% | 21.07%-17.9pp | 35.62%-32.4pp | 73.15%-69.9pp |
| Employer contribution / active EE | $458 | $1,089-57.9% | $1,986-76.9% | $2,343-80.4% |
| Participant deferral / active EE | $2,122 | $2,210-4.0% | $2,958-28.3% | $3,332-36.3% |
| Admin fee / account holder | $1,328 | $3,709-64.2% | $5,134-74.1% | $4,645-71.4% |