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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 | $70,956 | $99,633-28.8% | $183,328-61.3% | $82,448-13.9% |
| Participation rate | 36.0% | 70.8%-34.8pp | 77.3%-41.3pp | 68.1%-32.1pp |
| Annual return | 10.89% | 17.84%-7.0pp | 29.67%-18.8pp | 41.64%-30.8pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,055-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,277 | $4,938-53.9% | $6,795-66.5% | $4,139-45.0% |
| Admin fee / account holder | $24,683 | $9,934+148.5% | $21,427+15.2% | $7,234+241.2% |