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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 | $31,323 | $85,171-63.2% | $172,753-81.9% | $72,976-57.1% |
| Participation rate | 39.0% | 70.1%-31.0pp | 82.6%-43.6pp | 69.5%-30.5pp |
| Annual return | 15.66% | 27.32%-11.7pp | 803.00%-787.3pp | 81.02%-65.4pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,448 | $3,260-55.6% | $5,198-72.1% | $3,608-59.9% |
| Admin fee / account holder | $3,893 | $5,880-33.8% | $13,956-72.1% | $5,124-24.0% |