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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 | $151,313 | $77,920+94.2% | $149,723+1.1% | $75,177+101.3% |
| Participation rate | 46.9% | 65.6%-18.7pp | 78.8%-31.9pp | 67.2%-20.3pp |
| Annual return | 8.27% | 31.72%-23.5pp | 134.50%-126.2pp | 160.75%-152.5pp |
| Employer contribution / active EE | $904 | $3,138-71.2% | $4,821-81.2% | $2,671-66.1% |
| Participant deferral / active EE | $2,085 | $3,411-38.9% | $5,682-63.3% | $4,126-49.5% |
| Admin fee / account holder | $1,516 | $5,951-74.5% | $13,215-88.5% | $5,651-73.2% |