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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 | $121,054 | $63,773+89.8% | $81,286+48.9% | $80,925+49.6% |
| Participation rate | 60.0% | 63.9%-3.9pp | 69.5%-9.5pp | 67.7%-7.7pp |
| Annual return | 9.93% | 16.37%-6.4pp | 24.80%-14.9pp | 35.65%-25.7pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,463-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $5,045 | $3,093+63.1% | $3,883+29.9% | $4,299+17.4% |
| Admin fee / account holder | $32,194 | $5,682+466.6% | $5,764+458.5% | $6,940+363.9% |