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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 | $100,170 | $101,778-1.6% | $164,975-39.3% | $80,925+23.8% |
| Participation rate | 49.4% | 71.8%-22.5pp | 78.6%-29.3pp | 67.7%-18.3pp |
| Annual return | 8.27% | 16.73%-8.5pp | 70.12%-61.8pp | 35.65%-27.4pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $5,263 | $4,477+17.6% | $6,033-12.8% | $4,299+22.4% |
| Admin fee / account holder | $33,787 | $8,221+311.0% | $12,688+166.3% | $6,940+386.8% |