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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 | $45,655 | $87,132-47.6% | $105,624-56.8% | $80,959-43.6% |
| Participation rate | 65.7% | 70.4%-4.7pp | 75.3%-9.6pp | 67.7%-2.0pp |
| Annual return | 9.28% | 17.03%-7.8pp | 116.20%-106.9pp | 35.67%-26.4pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,168-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,467 | $3,985-38.1% | $5,013-50.8% | $4,300-42.6% |
| Admin fee / account holder | $4,518 | $8,449-46.5% | $10,961-58.8% | $6,925-34.8% |