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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 | $124,159 | $91,559+35.6% | $133,978-7.3% | $79,856+55.5% |
| Participation rate | 59.3% | 73.3%-14.1pp | 79.8%-20.6pp | 69.6%-10.4pp |
| Annual return | 9.95% | 61.85%-51.9pp | 45.10%-35.1pp | 31.71%-21.8pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,236 | $3,734-40.1% | $5,047-55.7% | $3,741-40.2% |
| Admin fee / account holder | $14,832 | $6,321+134.6% | $8,930+66.1% | $5,306+179.5% |