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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 | $18,067 | $77,908-76.8% | $149,696-87.9% | $75,173-76.0% |
| Participation rate | 36.1% | 65.6%-29.5pp | 78.8%-42.7pp | 67.2%-31.1pp |
| Annual return | 11.48% | 31.73%-20.2pp | 134.46%-123.0pp | 160.72%-149.2pp |
| Employer contribution / active EE | $591 | $3,138-81.2% | $4,821-87.8% | $2,671-77.9% |
| Participant deferral / active EE | $1,821 | $3,411-46.6% | $5,682-67.9% | $4,126-55.9% |
| Admin fee / account holder | $7,749 | $5,950+30.2% | $13,212-41.4% | $5,651+37.1% |