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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 | $65,565 | $67,411-2.7% | $91,004-28.0% | $70,126-6.5% |
| Participation rate | 56.3% | 71.4%-15.1pp | 75.6%-19.4pp | 69.5%-13.3pp |
| Annual return | 10.20% | -40.16%+50.4pp | 4.60%+5.6pp | 73.15%-63.0pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,330 | $2,823-17.5% | $3,548-34.3% | $3,332-30.1% |
| Admin fee / account holder | $11,722 | $4,236+176.7% | $5,417+116.4% | $4,645+152.3% |