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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 | $70,665 | $83,485-15.4% | $125,195-43.6% | $72,976-3.2% |
| Participation rate | 49.4% | 73.3%-23.9pp | 79.8%-30.4pp | 69.5%-20.1pp |
| Annual return | 7.67% | 25.77%-18.1pp | 43.79%-36.1pp | 81.02%-73.3pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,718 | $3,586-52.1% | $4,937-65.2% | $3,608-52.4% |
| Admin fee / account holder | $1,867 | $5,518-66.2% | $9,704-80.8% | $5,124-63.6% |