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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 | $56,621 | $111,785-49.3% | $93,669-39.6% | $145,877-61.2% |
| Participation rate | 53.8% | 74.2%-20.4pp | 68.7%-14.9pp | 80.3%-26.5pp |
| Annual return | 4.57% | 203.79%-199.2pp | 133.59%-129.0pp | 551.28%-546.7pp |
| Employer contribution / active EE | $0 | $3,096-100.0% | $2,424-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $4,999 | $4,919+1.6% | $4,416+13.2% | $6,691-25.3% |
| Admin fee / account holder | $500 | $10,256-95.1% | $8,291-94.0% | $13,402-96.3% |