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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 | $53,184 | $51,606+3.1% | $129,339-58.9% | $80,911-34.3% |
| Participation rate | 44.7% | 57.0%-12.2pp | 69.6%-24.9pp | 67.6%-22.9pp |
| Annual return | 9.21% | 20.76%-11.6pp | 9437.05%-9427.8pp | 35.63%-26.4pp |
| Employer contribution / active EE | $0 | $1,582-100.0% | $4,154-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,452 | $2,669-8.1% | $4,170-41.2% | $4,297-42.9% |
| Admin fee / account holder | $5,968 | $4,310+38.5% | $7,668-22.2% | $6,935-13.9% |