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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 | $90,701 | $76,407+18.7% | $150,298-39.7% | $82,448+10.0% |
| Participation rate | 25.8% | 66.4%-40.6pp | 77.8%-52.0pp | 68.1%-42.3pp |
| Annual return | 8.53% | 39.99%-31.5pp | 62.79%-54.3pp | 41.64%-33.1pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,715 | $3,214-15.5% | $5,453-50.2% | $4,139-34.4% |
| Admin fee / account holder | $21,002 | $6,352+230.6% | $14,116+48.8% | $7,234+190.3% |