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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 | $58,491 | $86,298-32.2% | $111,308-47.5% | $85,847-31.9% |
| Participation rate | 65.4% | 73.3%-8.0pp | 77.3%-11.9pp | 69.3%-3.9pp |
| Annual return | 10.47% | 19.99%-9.5pp | 54.67%-44.2pp | 318.61%-308.1pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,925 | $3,641-47.1% | $4,487-57.1% | $3,952-51.3% |
| Admin fee / account holder | $1,968 | $8,189-76.0% | $7,965-75.3% | $6,261-68.6% |