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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 | $124,005 | $80,983+53.1% | $96,544+28.4% | $75,177+64.9% |
| Participation rate | 54.5% | 71.8%-17.2pp | 76.0%-21.4pp | 67.2%-12.7pp |
| Annual return | 10.67% | 27.05%-16.4pp | 25.88%-15.2pp | 160.75%-150.1pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $2,966-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,585 | $3,929-34.2% | $4,851-46.7% | $4,126-37.4% |
| Admin fee / account holder | $80,125 | $6,717+1092.9% | $8,254+870.7% | $5,651+1317.8% |