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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 | $26,446 | $102,422-74.2% | $147,117-82.0% | $80,959-67.3% |
| Participation rate | 46.3% | 75.9%-29.6pp | 82.2%-35.9pp | 67.7%-21.4pp |
| Annual return | 10.69% | 135.16%-124.5pp | 420.54%-409.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,840 | $6,652-57.3% | $8,065-64.8% | $4,300-34.0% |
| Admin fee / account holder | $6,962 | $7,953-12.5% | $12,993-46.4% | $6,925+0.5% |