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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 | $20,782 | $95,406-78.2% | $185,849-88.8% | $85,847-75.8% |
| Participation rate | 59.5% | 68.8%-9.2pp | 81.7%-22.2pp | 69.3%-9.8pp |
| Annual return | 10.60% | 23.59%-13.0pp | 122.10%-111.5pp | 318.61%-308.0pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,169-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,673 | $3,424-51.1% | $5,569-70.0% | $3,952-57.7% |
| Admin fee / account holder | $2,529 | $7,214-64.9% | $16,244-84.4% | $6,261-59.6% |