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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 | $142,439 | $107,421+32.6% | $182,262-21.8% | $94,015+51.5% |
| Participation rate | 53.8% | 77.8%-23.9pp | 84.2%-30.4pp | 70.8%-17.0pp |
| Annual return | 9.18% | 21.32%-12.1pp | 140.60%-131.4pp | 17.84%-8.7pp |
| Employer contribution / active EE | $2,944 | $3,448-14.6% | $5,046-41.7% | $2,790+5.5% |
| Participant deferral / active EE | $6,254 | $6,558-4.6% | $8,276-24.4% | $4,249+47.2% |
| Admin fee / account holder | $70,877 | $8,692+715.4% | $16,712+324.1% | $8,951+691.8% |