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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 | $58,615 | $215,361-72.8% | $171,082-65.7% | $273,972-78.6% |
| Participation rate | 50.0% | 82.0%-32.0pp | 76.7%-26.7pp | 83.0%-33.0pp |
| Annual return | 1.17% | 25.14%-24.0pp | 32.56%-31.4pp | 41.46%-40.3pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,664 | $5,543-70.0% | $4,797-65.3% | $5,287-68.5% |
| Admin fee / account holder | $1,300 | $10,846-88.0% | $8,520-84.7% | $10,133-87.2% |