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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 | $16,151 | $85,094-81.0% | $76,327-78.8% | $145,877-88.9% |
| Participation rate | 55.6% | 82.9%-27.3pp | 79.2%-23.7pp | 80.3%-24.7pp |
| Annual return | 5.45% | 13.13%-7.7pp | 13.79%-8.3pp | 551.28%-545.8pp |
| Employer contribution / active EE | $0 | $5,261-100.0% | $4,584-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,094 | $6,390-51.6% | $5,478-43.5% | $6,691-53.8% |
| Admin fee / account holder | $978 | $5,773-83.1% | $5,139-81.0% | $13,402-92.7% |