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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 | $24,209 | $93,064-74.0% | $74,577-67.5% | $273,972-91.2% |
| Participation rate | 66.7% | 74.9%-8.3pp | 68.1%-1.4pp | 83.0%-16.3pp |
| Annual return | 0.58% | 26.18%-25.6pp | 20.47%-19.9pp | 41.46%-40.9pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $2,525-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $454 | $4,160-89.1% | $3,458-86.9% | $5,287-91.4% |
| Admin fee / account holder | $4,350 | $5,273-17.5% | $4,138+5.1% | $10,133-57.1% |