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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 | $60,643 | $89,367-32.1% | $141,191-57.0% | $72,975-16.9% |
| Participation rate | 59.5% | 75.1%-15.6pp | 82.5%-23.0pp | 69.5%-10.0pp |
| Annual return | 18.88% | 111.87%-93.0pp | 71.41%-52.5pp | 81.01%-62.1pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,939 | $5,419-45.8% | $6,710-56.2% | $3,608-18.5% |
| Admin fee / account holder | $13,038 | $5,957+118.9% | $10,264+27.0% | $5,124+154.4% |