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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 | $56,172 | $98,776-43.1% | $149,745-62.5% | $79,856-29.7% |
| Participation rate | 69.2% | 75.8%-6.6pp | 82.5%-13.3pp | 69.6%-0.4pp |
| Annual return | 5.81% | 27.38%-21.6pp | 276.72%-270.9pp | 31.71%-25.9pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $11,185 | $5,681+96.9% | $6,843+63.4% | $3,741+199.0% |
| Admin fee / account holder | $18,936 | $6,053+212.8% | $9,312+103.4% | $5,306+256.8% |