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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 | $72,013 | $94,031-23.4% | $115,768-37.8% | $82,448-12.7% |
| Participation rate | 50.0% | 70.4%-20.4pp | 74.4%-24.4pp | 68.1%-18.1pp |
| Annual return | 9.50% | 20.61%-11.1pp | 100.46%-91.0pp | 41.64%-32.1pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,531 | $3,972-36.3% | $4,917-48.5% | $4,139-38.9% |
| Admin fee / account holder | $9,720 | $10,249-5.2% | $12,439-21.9% | $7,234+34.4% |