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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 | $104,623 | $78,670+33.0% | $109,173-4.2% | $85,847+21.9% |
| Participation rate | 48.5% | 68.3%-19.8pp | 75.9%-27.4pp | 69.3%-20.8pp |
| Annual return | 9.27% | 25.09%-15.8pp | 25.75%-16.5pp | 318.61%-309.3pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,435 | $3,467-29.8% | $4,654-47.7% | $3,952-38.4% |
| Admin fee / account holder | $1,272 | $5,469-76.7% | $6,755-81.2% | $6,261-79.7% |