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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 | $81,425 | $78,707+3.5% | $117,861-30.9% | $70,126+16.1% |
| Participation rate | 37.1% | 73.2%-36.0pp | 79.7%-42.5pp | 69.5%-32.4pp |
| Annual return | 6.81% | 23.30%-16.5pp | 335.11%-328.3pp | 73.15%-66.3pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,462 | $3,297-25.3% | $4,482-45.1% | $3,332-26.1% |
| Admin fee / account holder | $70,803 | $5,066+1297.7% | $8,021+782.8% | $4,645+1424.1% |