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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 | $111,814-49.4% | $93,654-39.5% | $145,959-61.2% |
| Participation rate | 53.8% | 74.2%-20.4pp | 68.7%-14.9pp | 80.3%-26.4pp |
| Annual return | 4.57% | 203.30%-198.7pp | 133.34%-128.8pp | 561.95%-557.4pp |
| Employer contribution / active EE | $0 | $3,092-100.0% | $2,421-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $4,999 | $4,914+1.7% | $4,413+13.3% | $6,689-25.3% |
| Admin fee / account holder | $500 | $10,246-95.1% | $8,282-94.0% | $13,398-96.3% |