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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 | $49,596 | $76,834-35.5% | $108,359-54.2% | $87,485-43.3% |
| Participation rate | 43.1% | 61.7%-18.6pp | 70.1%-27.0pp | 68.9%-25.8pp |
| Annual return | 12.03% | 19.09%-7.1pp | 36.89%-24.9pp | 26.06%-14.0pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,022 | $3,100-34.8% | $4,137-51.1% | $4,274-52.7% |
| Admin fee / account holder | $6,786 | $6,537+3.8% | $9,741-30.3% | $7,775-12.7% |