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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 | $21,699 | $55,684-61.0% | $75,900-71.4% | $72,976-70.3% |
| Participation rate | 68.8% | 61.1%+7.6pp | 69.3%-0.5pp | 69.5%-0.7pp |
| Annual return | 11.38% | 27.60%-16.2pp | 30.73%-19.3pp | 81.02%-69.6pp |
| Employer contribution / active EE | $903 | $1,687-46.5% | $2,501-63.9% | $2,440-63.0% |
| Participant deferral / active EE | $2,550 | $2,634-3.2% | $3,604-29.2% | $3,608-29.3% |
| Admin fee / account holder | $500 | $3,981-87.4% | $5,421-90.8% | $5,124-90.2% |