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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 | $113,291 | $52,380+116.3% | $98,775+14.7% | $85,847+32.0% |
| Participation rate | 22.5% | 58.0%-35.5pp | 65.7%-43.2pp | 69.3%-46.8pp |
| Annual return | 7.98% | 25.82%-17.8pp | 49.92%-41.9pp | 318.61%-310.6pp |
| Employer contribution / active EE | $0 | $1,337-100.0% | $2,067-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $854 | $2,101-59.3% | $3,035-71.9% | $3,952-78.4% |
| Admin fee / account holder | $25,787 | $3,865+567.3% | $4,076+532.6% | $6,261+311.9% |