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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 | $66,416 | $65,364+1.6% | $92,909-28.5% | $72,975-9.0% |
| Participation rate | 44.8% | 68.3%-23.5pp | 76.0%-31.2pp | 69.5%-24.7pp |
| Annual return | 1.72% | 42.11%-40.4pp | 109.44%-107.7pp | 81.01%-79.3pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,608 | $3,128+15.3% | $4,238-14.9% | $3,6080% |
| Admin fee / account holder | $468 | $4,251-89.0% | $5,795-91.9% | $5,124-90.9% |