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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 | $103,675 | $81,504+27.2% | $102,437+1.2% | $80,959+28.1% |
| Participation rate | 53.6% | 66.9%-13.3pp | 74.5%-20.9pp | 67.7%-14.1pp |
| Annual return | 9.90% | 25.60%-15.7pp | 24.95%-15.0pp | 35.67%-25.8pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,652 | $3,871-31.5% | $5,060-47.6% | $4,300-38.3% |
| Admin fee / account holder | $433 | $6,719-93.6% | $8,388-94.8% | $6,925-93.7% |