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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 | $40,911 | $62,086-34.1% | $90,259-54.7% | $64,340-36.4% |
| Participation rate | 17.7% | 53.9%-36.2pp | 70.7%-53.1pp | 55.2%-37.6pp |
| Annual return | 5.82% | 16.73%-10.9pp | 18.88%-13.1pp | 24.14%-18.3pp |
| Employer contribution / active EE | $0 | $1,883-100.0% | $2,291-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,317 | $2,557-48.5% | $3,827-65.6% | $2,980-55.8% |
| Admin fee / account holder | $8,711 | $3,317+162.6% | $7,267+19.9% | $3,703+135.3% |