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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 | $68,164 | $85,171-20.0% | $172,752-60.5% | $72,975-6.6% |
| Participation rate | 65.5% | 70.1%-4.5pp | 82.6%-17.1pp | 69.5%-4.0pp |
| Annual return | 14.50% | 27.32%-12.8pp | 802.97%-788.5pp | 81.01%-66.5pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,254 | $3,260-30.9% | $5,198-56.6% | $3,608-37.5% |
| Admin fee / account holder | $17,878 | $5,880+204.0% | $13,955+28.1% | $5,124+248.9% |