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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 | $79,534 | $110,137-27.8% | $161,149-50.6% | $82,637-3.8% |
| Participation rate | 55.8% | 72.4%-16.5pp | 78.8%-23.0pp | 68.1%-12.2pp |
| Annual return | 11.88% | 20.69%-8.8pp | 21.16%-9.3pp | 53.51%-41.6pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,298 | $4,575-27.9% | $6,153-46.4% | $4,126-20.1% |
| Admin fee / account holder | $7,527 | $9,467-20.5% | $15,194-50.5% | $7,339+2.6% |