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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 | $92,747 | $72,492+27.9% | $87,104+6.5% | $72,975+27.1% |
| Participation rate | 67.9% | 72.8%-5.0pp | 76.9%-9.0pp | 69.5%-1.6pp |
| Annual return | 2.71% | 24.46%-21.7pp | 28.19%-25.5pp | 81.01%-78.3pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,626 | $3,270+10.9% | $4,048-10.4% | $3,608+0.5% |
| Admin fee / account holder | $13,820 | $5,055+173.4% | $7,491+84.5% | $5,124+169.7% |