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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 | $165,431 | $86,288+91.7% | $111,306+48.6% | $85,851+92.7% |
| Participation rate | 52.0% | 73.3%-21.3pp | 77.3%-25.3pp | 69.3%-17.3pp |
| Annual return | 10.88% | 19.99%-9.1pp | 54.67%-43.8pp | 318.63%-307.8pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,414 | $3,641+21.2% | $4,488-1.6% | $3,952+11.7% |
| Admin fee / account holder | $13,764 | $8,189+68.1% | $7,966+72.8% | $6,261+119.8% |