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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 | $19,958 | $81,233-75.4% | $155,567-87.2% | $80,874-75.3% |
| Participation rate | 17.9% | 66.2%-48.3pp | 78.2%-60.2pp | 67.6%-49.7pp |
| Annual return | 7.78% | 33.33%-25.6pp | 64.74%-57.0pp | 35.62%-27.8pp |
| Employer contribution / active EE | $0 | $3,101-100.0% | $4,674-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,740 | $3,452-49.6% | $5,628-69.1% | $4,297-59.5% |
| Admin fee / account holder | $5,769 | $7,998-27.9% | $15,916-63.8% | $6,935-16.8% |