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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 | $24,538 | $72,269-66.0% | $101,271-75.8% | $79,852-69.3% |
| Participation rate | 64.0% | 68.5%-4.5pp | 75.8%-11.8pp | 69.6%-5.6pp |
| Annual return | 4.85% | 22.29%-17.4pp | 46.48%-41.6pp | 31.72%-26.9pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,642 | $3,282-50.0% | $4,371-62.4% | $3,740-56.1% |
| Admin fee / account holder | $390 | $4,401-91.1% | $5,948-93.4% | $5,306-92.6% |