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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 | $162,699 | $55,902+191.0% | $76,030+114.0% | $80,959+101.0% |
| Participation rate | 44.7% | 62.1%-17.4pp | 69.1%-24.4pp | 67.7%-23.0pp |
| Annual return | 9.86% | 20.59%-10.7pp | 361.54%-351.7pp | 35.67%-25.8pp |
| Employer contribution / active EE | $0 | $1,867-100.0% | $2,688-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $8,070 | $3,051+164.5% | $4,257+89.6% | $4,300+87.7% |
| Admin fee / account holder | $26,508 | $5,239+406.0% | $6,421+312.9% | $6,925+282.8% |