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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 | $27,968 | $46,599-40.0% | $64,101-56.4% | $75,173-62.8% |
| Participation rate | 33.3% | 65.9%-32.6pp | 72.3%-39.0pp | 67.2%-33.9pp |
| Annual return | 10.55% | 26.06%-15.5pp | 33.72%-23.2pp | 160.72%-150.2pp |
| Employer contribution / active EE | $967 | $1,975-51.0% | $2,749-64.8% | $2,671-63.8% |
| Participant deferral / active EE | $2,854 | $2,837+0.6% | $3,881-26.5% | $4,126-30.8% |
| Admin fee / account holder | $2,338 | $2,956-20.9% | $3,070-23.8% | $5,651-58.6% |