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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 | $114,712-30.7% | $173,730-54.2% | $87,485-9.1% |
| Participation rate | 55.8% | 73.0%-17.2pp | 79.6%-23.8pp | 68.9%-13.1pp |
| Annual return | 11.88% | 20.18%-8.3pp | 19.96%-8.1pp | 26.06%-14.2pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,298 | $4,642-28.9% | $6,326-47.9% | $4,274-22.8% |
| Admin fee / account holder | $7,527 | $10,210-26.3% | $17,523-57.0% | $7,775-3.2% |