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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 | $134,574 | $183,539-26.7% | $155,556-13.5% | $145,897-7.8% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 6.24% | 61.31%-55.1pp | 64.84%-58.6pp | 552.29%-546.1pp |
| Employer contribution / active EE | $0 | $5,315-100.0% | $4,675-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $8,332 | $6,467+28.8% | $5,631+48.0% | $6,689+24.6% |
| Admin fee / account holder | $16,932 | $19,275-12.2% | $15,885+6.6% | $13,390+26.4% |