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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 | $20,041 | $58,627-65.8% | $76,735-73.9% | $82,448-75.7% |
| Participation rate | 52.0% | 63.2%-11.2pp | 69.5%-17.5pp | 68.1%-16.1pp |
| Annual return | 12.34% | 39.10%-26.8pp | 29.77%-17.4pp | 41.64%-29.3pp |
| Employer contribution / active EE | $950 | $1,729-45.1% | $2,454-61.3% | $2,551-62.8% |
| Participant deferral / active EE | $1,581 | $3,134-49.5% | $4,088-61.3% | $4,139-61.8% |
| Admin fee / account holder | $2,362 | $5,323-55.6% | $7,189-67.2% | $7,234-67.4% |