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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 | $51,642+3.0% | $129,384-58.9% | $80,935-34.3% |
| Participation rate | 44.7% | 56.9%-12.2pp | 69.6%-24.9pp | 67.7%-22.9pp |
| Annual return | 9.21% | 20.78%-11.6pp | 9461.77%-9452.6pp | 35.66%-26.5pp |
| Employer contribution / active EE | $0 | $1,583-100.0% | $4,153-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,452 | $2,670-8.2% | $4,166-41.1% | $4,299-43.0% |
| Admin fee / account holder | $5,968 | $4,312+38.4% | $7,686-22.4% | $6,924-13.8% |