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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 | $64,399 | $99,345-35.2% | $84,753-24.0% | $273,972-76.5% |
| Participation rate | 56.5% | 80.7%-24.2pp | 76.6%-20.1pp | 83.0%-26.5pp |
| Annual return | 0.33% | 22.93%-22.6pp | 22.78%-22.5pp | 41.46%-41.1pp |
| Employer contribution / active EE | $938 | $4,214-77.7% | $3,574-73.8% | $4,869-80.7% |
| Participant deferral / active EE | $2,511 | $4,270-41.2% | $3,712-32.4% | $5,287-52.5% |
| Admin fee / account holder | $638 | $6,645-90.4% | $5,333-88.0% | $10,133-93.7% |