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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 | $18,259 | $48,337-62.2% | $67,560-73.0% | $80,959-77.4% |
| Participation rate | 58.6% | 66.4%-7.8pp | 72.9%-14.3pp | 67.7%-9.0pp |
| Annual return | 9.07% | 18.26%-9.2pp | 3533.50%-3524.4pp | 35.67%-26.6pp |
| Employer contribution / active EE | $0 | $2,023-100.0% | $2,737-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,812 | $2,928-4.0% | $4,004-29.8% | $4,300-34.6% |
| Admin fee / account holder | $6,715 | $3,695+81.7% | $3,994+68.1% | $6,925-3.0% |