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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 | $54,785 | $43,075+27.2% | $74,577-26.5% | $62,881-12.9% |
| Participation rate | 47.8% | 58.1%-10.2pp | 68.1%-20.3pp | 69.3%-21.5pp |
| Annual return | 4.32% | 17.50%-13.2pp | 20.47%-16.2pp | 20.14%-15.8pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,040 | $2,389-14.6% | $3,458-41.0% | $3,203-36.3% |
| Admin fee / account holder | $842 | $2,840-70.4% | $4,138-79.7% | $4,296-80.4% |