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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 | $36,826 | $84,236-56.3% | $170,439-78.4% | $70,124-47.5% |
| Participation rate | 65.2% | 70.8%-5.6pp | 83.6%-18.4pp | 69.5%-4.3pp |
| Annual return | 9.74% | 23.06%-13.3pp | 205.94%-196.2pp | 73.14%-63.4pp |
| Employer contribution / active EE | $469 | $3,387-86.1% | $5,433-91.4% | $2,342-80.0% |
| Participant deferral / active EE | $1,760 | $3,086-43.0% | $4,939-64.4% | $3,332-47.2% |
| Admin fee / account holder | $1,449 | $5,698-74.6% | $13,881-89.6% | $4,645-68.8% |