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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 | $117,387 | $183,627-36.1% | $155,602-24.6% | $145,978-19.6% |
| Participation rate | 36.8% | 82.7%-45.8pp | 78.2%-41.4pp | 80.3%-43.5pp |
| Annual return | 1.31% | 61.32%-60.0pp | 64.81%-63.5pp | 550.52%-549.2pp |
| Employer contribution / active EE | $0 | $5,316-100.0% | $4,675-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,212 | $6,466-65.8% | $5,629-60.7% | $6,690-66.9% |
| Admin fee / account holder | $11,555 | $19,327-40.2% | $15,923-27.4% | $13,400-13.8% |