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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 | $16,473 | $39,028-57.8% | $80,741-79.6% | $85,847-80.8% |
| Participation rate | 28.1% | 41.6%-13.5pp | 54.2%-26.1pp | 69.3%-41.2pp |
| Annual return | 10.15% | 26.31%-16.2pp | 87.30%-77.1pp | 318.61%-308.5pp |
| Employer contribution / active EE | $710 | $722-1.7% | $1,160-38.8% | $2,565-72.3% |
| Participant deferral / active EE | $1,675 | $1,326+26.3% | $2,145-21.9% | $3,952-57.6% |
| Admin fee / account holder | $1,259 | $2,429-48.2% | $3,380-62.7% | $6,261-79.9% |