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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 | $67,943 | $112,729-39.7% | $98,716-31.2% | $137,256-50.5% |
| Participation rate | 54.5% | 74.2%-19.7pp | 69.3%-14.7pp | 80.0%-25.4pp |
| Annual return | 7.48% | 38.48%-31.0pp | 31.81%-24.3pp | 220.34%-212.9pp |
| Employer contribution / active EE | $0 | $2,725-100.0% | $2,279-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $9,665 | $4,640+108.3% | $4,048+138.8% | $6,407+50.9% |
| Admin fee / account holder | $739 | $10,129-92.7% | $8,703-91.5% | $12,270-94.0% |