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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 | $105,364 | $54,757+92.4% | $90,304+16.7% | $72,975+44.4% |
| Participation rate | 51.2% | 65.2%-13.9pp | 73.3%-22.1pp | 69.5%-18.3pp |
| Annual return | 16.28% | 30.63%-14.4pp | 78.13%-61.9pp | 81.01%-64.7pp |
| Employer contribution / active EE | $0 | $2,093-100.0% | $2,855-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,732 | $2,887-5.4% | $3,885-29.7% | $3,608-24.3% |
| Admin fee / account holder | $1,147 | $3,973-71.1% | $5,354-78.6% | $5,124-77.6% |