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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 | $53,140 | $85,171-37.6% | $172,752-69.2% | $72,975-27.2% |
| Participation rate | 42.5% | 70.1%-27.6pp | 82.6%-40.1pp | 69.5%-27.0pp |
| Annual return | 11.75% | 27.32%-15.6pp | 802.97%-791.2pp | 81.01%-69.3pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,552 | $3,260-21.7% | $5,198-50.9% | $3,608-29.3% |
| Admin fee / account holder | $11,329 | $5,880+92.7% | $13,955-18.8% | $5,124+121.1% |