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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 | $45,663 | $89,367-48.9% | $141,191-67.7% | $72,975-37.4% |
| Participation rate | 53.8% | 75.1%-21.3pp | 82.5%-28.6pp | 69.5%-15.6pp |
| Annual return | 17.83% | 111.87%-94.0pp | 71.41%-53.6pp | 81.01%-63.2pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,693 | $5,419-13.4% | $6,710-30.1% | $3,608+30.1% |
| Admin fee / account holder | $21,408 | $5,957+259.4% | $10,264+108.6% | $5,124+317.8% |