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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 | $53,864 | $63,346-15.0% | $92,240-41.6% | $70,126-23.2% |
| Participation rate | 68.0% | 68.7%-0.7pp | 76.5%-8.5pp | 69.5%-1.5pp |
| Annual return | 10.18% | 530.19%-520.0pp | 176.29%-166.1pp | 73.15%-63.0pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,930 | $2,854+37.7% | $3,897+0.8% | $3,332+17.9% |
| Admin fee / account holder | $2,722 | $3,841-29.1% | $5,194-47.6% | $4,645-41.4% |