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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 | $77,255 | $71,215+8.5% | $93,696-17.5% | $80,935-4.5% |
| Participation rate | 31.5% | 60.4%-28.9pp | 68.7%-37.2pp | 67.7%-36.2pp |
| Annual return | 8.40% | 11.27%-2.9pp | 133.74%-125.3pp | 35.66%-27.3pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,078 | $4,037-48.5% | $4,417-53.0% | $4,299-51.7% |
| Admin fee / account holder | $1,225 | $6,958-82.4% | $8,287-85.2% | $6,924-82.3% |