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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 | $111,830-49.4% | $93,696-39.6% | $145,884-61.2% |
| Participation rate | 53.8% | 74.2%-20.4pp | 68.7%-14.9pp | 80.3%-26.5pp |
| Annual return | 4.57% | 204.08%-199.5pp | 133.74%-129.2pp | 551.85%-547.3pp |
| Employer contribution / active EE | $0 | $3,093-100.0% | $2,422-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $4,999 | $4,920+1.6% | $4,417+13.2% | $6,690-25.3% |
| Admin fee / account holder | $500 | $10,249-95.1% | $8,287-94.0% | $13,392-96.3% |