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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 | $97,836 | $73,988+32.2% | $96,538+1.3% | $75,177+30.1% |
| Participation rate | 63.0% | 66.4%-3.5pp | 74.3%-11.4pp | 67.2%-4.2pp |
| Annual return | 12.67% | 26.73%-14.1pp | 35.74%-23.1pp | 160.75%-148.1pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $6,158 | $3,660+68.2% | $4,880+26.2% | $4,126+49.2% |
| Admin fee / account holder | $938 | $5,220-82.0% | $6,737-86.1% | $5,651-83.4% |