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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 | $132,657 | $81,358+63.1% | $155,556-14.7% | $80,959+63.9% |
| Participation rate | 31.7% | 66.3%-34.6pp | 78.2%-46.5pp | 67.7%-36.0pp |
| Annual return | 9.14% | 33.39%-24.3pp | 64.84%-55.7pp | 35.67%-26.5pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,020 | $3,455-41.5% | $5,631-64.1% | $4,300-53.0% |
| Admin fee / account holder | $19,967 | $7,994+149.8% | $15,885+25.7% | $6,925+188.3% |