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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 | $72,216 | $102,385-29.5% | $147,080-50.9% | $80,935-10.8% |
| Participation rate | 67.2% | 75.9%-8.6pp | 82.2%-14.9pp | 67.7%-0.4pp |
| Annual return | 11.63% | 135.09%-123.5pp | 420.17%-408.5pp | 35.66%-24.0pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,720 | $6,651-44.1% | $8,066-53.9% | $4,299-13.5% |
| Admin fee / account holder | $4,338 | $7,951-45.4% | $12,989-66.6% | $6,924-37.4% |