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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 | $36,412 | $144,130-74.7% | $117,861-69.1% | $147,586-75.3% |
| Participation rate | 42.1% | 83.4%-41.3pp | 79.7%-37.6pp | 82.8%-40.7pp |
| Annual return | 3.32% | 531.20%-527.9pp | 335.11%-331.8pp | 578.59%-575.3pp |
| Employer contribution / active EE | $0 | $4,897-100.0% | $3,786-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $3,090 | $5,316-41.9% | $4,482-31.1% | $5,439-43.2% |
| Admin fee / account holder | $471 | $10,887-95.7% | $8,021-94.1% | $10,886-95.7% |