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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 | $67,776-39.6% | $90,312-54.7% | $65,306-37.4% |
| Participation rate | 17.7% | 58.1%-40.4pp | 72.9%-55.2pp | 57.7%-40.0pp |
| Annual return | 5.82% | 16.62%-10.8pp | 18.90%-13.1pp | 21.94%-16.1pp |
| Employer contribution / active EE | $0 | $2,195-100.0% | $2,243-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,317 | $2,641-50.1% | $3,749-64.9% | $2,959-55.5% |
| Admin fee / account holder | $8,711 | $3,322+162.2% | $8,248+5.6% | $3,480+150.3% |