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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 | $75,061 | $78,705-4.6% | $117,860-36.3% | $70,124+7.0% |
| Participation rate | 65.6% | 73.2%-7.6pp | 79.7%-14.0pp | 69.5%-3.9pp |
| Annual return | 11.42% | 23.30%-11.9pp | 335.10%-323.7pp | 73.14%-61.7pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,592 | $3,297-21.4% | $4,482-42.2% | $3,332-22.2% |
| Admin fee / account holder | $20,432 | $5,065+303.4% | $8,021+154.7% | $4,645+339.8% |