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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 | $27,639 | $65,034-57.5% | $90,970-69.6% | $79,856-65.4% |
| Participation rate | 57.1% | 61.6%-4.5pp | 69.0%-11.9pp | 69.6%-12.5pp |
| Annual return | 6.10% | 30.45%-24.4pp | 134.60%-128.5pp | 31.71%-25.6pp |
| Employer contribution / active EE | $976 | $1,247-21.7% | $2,122-54.0% | $2,471-60.5% |
| Participant deferral / active EE | $1,688 | $2,512-32.8% | $3,373-50.0% | $3,741-54.9% |
| Admin fee / account holder | $1,529 | $4,536-66.3% | $5,961-74.3% | $5,306-71.2% |