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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 | $46,620 | $48,364-3.6% | $71,796-35.1% | $62,881-25.9% |
| Participation rate | 38.7% | 60.6%-21.9pp | 69.1%-30.4pp | 69.3%-30.6pp |
| Annual return | 3.86% | 13.16%-9.3pp | 78.04%-74.2pp | 20.14%-16.3pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,361 | $2,091-34.9% | $2,794-51.3% | $3,203-57.5% |
| Admin fee / account holder | $2,784 | $3,771-26.2% | $4,815-42.2% | $4,296-35.2% |