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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 | $210,510-61.5% | $153,500-47.1% | $145,877-44.4% |
| Participation rate | 37.5% | 82.1%-44.6pp | 77.1%-39.6pp | 80.3%-42.8pp |
| Annual return | 7.47% | 13.45%-6.0pp | 15.70%-8.2pp | 551.28%-543.8pp |
| Employer contribution / active EE | $0 | $6,052-100.0% | $5,039-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,263 | $7,974-71.6% | $6,756-66.5% | $6,691-66.2% |
| Admin fee / account holder | $18,730 | $19,455-3.7% | $12,736+47.1% | $13,402+39.8% |