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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 | $73,778 | $72,486+1.8% | $87,103-15.3% | $72,976+1.1% |
| Participation rate | 60.6% | 72.8%-12.2pp | 76.9%-16.3pp | 69.5%-8.9pp |
| Annual return | 15.36% | 24.46%-9.1pp | 28.19%-12.8pp | 81.02%-65.7pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,950 | $3,270-40.4% | $4,049-51.8% | $3,608-45.9% |
| Admin fee / account holder | $3,889 | $5,055-23.1% | $7,491-48.1% | $5,124-24.1% |