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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 | $102,393-74.2% | $147,041-82.0% | $80,911-67.3% |
| Participation rate | 46.3% | 75.9%-29.6pp | 82.2%-35.9pp | 67.6%-21.4pp |
| Annual return | 10.69% | 134.95%-124.3pp | 419.21%-408.5pp | 35.63%-24.9pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,840 | $6,647-57.3% | $8,071-64.8% | $4,297-33.9% |
| Admin fee / account holder | $6,962 | $7,943-12.4% | $13,006-46.5% | $6,935+0.4% |