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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 | $40,172 | $58,493-31.3% | $84,023-52.2% | $72,976-45.0% |
| Participation rate | 40.8% | 61.2%-20.4pp | 69.0%-28.2pp | 69.5%-28.7pp |
| Annual return | 14.94% | 28.93%-14.0pp | 71.32%-56.4pp | 81.02%-66.1pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,430 | $2,394-40.3% | $3,239-55.9% | $3,608-60.4% |
| Admin fee / account holder | $1,413 | $4,569-69.1% | $6,102-76.8% | $5,124-72.4% |