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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 | $28,771 | $78,423-63.3% | $95,964-70.0% | $79,856-64.0% |
| Participation rate | 64.3% | 73.5%-9.2pp | 77.1%-12.8pp | 69.6%-5.4pp |
| Annual return | 7.21% | 19.37%-12.2pp | 91.64%-84.4pp | 31.71%-24.5pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,256 | $3,440-34.4% | $4,167-45.9% | $3,741-39.7% |
| Admin fee / account holder | $7,980 | $5,622+42.0% | $6,797+17.4% | $5,306+50.4% |