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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 | $81,128 | $210,991-61.5% | $153,741-47.2% | $145,897-44.4% |
| Participation rate | 37.5% | 82.1%-44.6pp | 77.1%-39.6pp | 80.3%-42.8pp |
| Annual return | 7.47% | 13.46%-6.0pp | 15.71%-8.2pp | 552.29%-544.8pp |
| Employer contribution / active EE | $0 | $6,057-100.0% | $5,042-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,263 | $7,979-71.6% | $6,757-66.5% | $6,689-66.2% |
| Admin fee / account holder | $18,730 | $19,490-3.9% | $12,749+46.9% | $13,390+39.9% |