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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 | $102,859 | $124,330-17.3% | $109,173-5.8% | $167,536-38.6% |
| Participation rate | 50.0% | 79.5%-29.5pp | 75.9%-25.9pp | 82.1%-32.1pp |
| Annual return | 5.73% | 26.04%-20.3pp | 25.75%-20.0pp | 478.82%-473.1pp |
| Employer contribution / active EE | $0 | $4,209-100.0% | $3,723-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $5,170 | $5,256-1.7% | $4,654+11.1% | $6,342-18.5% |
| Admin fee / account holder | $61,877 | $7,974+676.0% | $6,755+816.0% | $12,315+402.5% |