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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 | $24,686 | $56,110-56.0% | $94,993-74.0% | $70,126-64.8% |
| Participation rate | 45.2% | 65.0%-19.8pp | 73.9%-28.6pp | 69.5%-24.3pp |
| Annual return | 11.34% | 51.02%-39.7pp | 27.14%-15.8pp | 73.15%-61.8pp |
| Employer contribution / active EE | $983 | $1,442-31.8% | $2,603-62.2% | $2,343-58.0% |
| Participant deferral / active EE | $2,573 | $2,391+7.6% | $3,317-22.4% | $3,332-22.8% |
| Admin fee / account holder | $430 | $3,456-87.6% | $4,960-91.3% | $4,645-90.7% |