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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 | $174,330 | $111,814+55.9% | $93,654+86.1% | $145,959+19.4% |
| Participation rate | 15.4% | 74.2%-58.8pp | 68.7%-53.3pp | 80.3%-64.9pp |
| Annual return | 5.04% | 203.30%-198.3pp | 133.34%-128.3pp | 561.95%-556.9pp |
| Employer contribution / active EE | $0 | $3,092-100.0% | $2,421-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $1,758 | $4,914-64.2% | $4,413-60.2% | $6,689-73.7% |
| Admin fee / account holder | $2,957 | $10,246-71.1% | $8,282-64.3% | $13,398-77.9% |