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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 | $83,434 | $98,776-15.5% | $149,745-44.3% | $79,856+4.5% |
| Participation rate | 61.1% | 75.8%-14.7pp | 82.5%-21.4pp | 69.6%-8.5pp |
| Annual return | 8.09% | 27.38%-19.3pp | 276.72%-268.6pp | 31.71%-23.6pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $6,677 | $5,681+17.5% | $6,843-2.4% | $3,741+78.5% |
| Admin fee / account holder | $11,544 | $6,053+90.7% | $9,312+24.0% | $5,306+117.5% |