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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 | $75,541+20.1% | $152,093-40.4% | $82,637+9.8% |
| Participation rate | 25.8% | 66.5%-40.7pp | 77.8%-52.0pp | 68.1%-42.2pp |
| Annual return | 8.53% | 32.56%-24.0pp | 66.36%-57.8pp | 53.51%-45.0pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,715 | $3,206-15.3% | $5,451-50.2% | $4,126-34.2% |
| Admin fee / account holder | $21,002 | $6,405+227.9% | $14,497+44.9% | $7,339+186.2% |