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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 | $36,860 | $48,364-23.8% | $71,796-48.7% | $62,881-41.4% |
| Participation rate | 14.0% | 60.6%-46.7pp | 69.1%-55.2pp | 69.3%-55.4pp |
| Annual return | 4.82% | 13.16%-8.3pp | 78.04%-73.2pp | 20.14%-15.3pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,018 | $2,091-51.3% | $2,794-63.6% | $3,203-68.2% |
| Admin fee / account holder | $1,802 | $3,771-52.2% | $4,815-62.6% | $4,296-58.0% |