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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 | $186,154 | $129,737+43.5% | $119,126+56.3% | $154,746+20.3% |
| Participation rate | 42.9% | 78.9%-36.0pp | 75.8%-32.9pp | 80.7%-37.8pp |
| Annual return | 2.67% | 379.08%-376.4pp | 282.11%-279.4pp | 172.34%-169.7pp |
| Employer contribution / active EE | $0 | $4,375-100.0% | $4,034-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,875 | $5,842-67.9% | $5,318-64.7% | $6,730-72.1% |
| Admin fee / account holder | $428,105 | $11,961+3479.3% | $10,693+3903.5% | $14,365+2880.1% |