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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 | $194,325 | $63,354+206.7% | $94,105+106.5% | $82,637+135.2% |
| Participation rate | 41.1% | 63.8%-22.8pp | 71.9%-30.9pp | 68.1%-27.0pp |
| Annual return | 9.28% | 34.36%-25.1pp | 204.55%-195.3pp | 53.51%-44.2pp |
| Employer contribution / active EE | $1,114 | $1,760-36.7% | $2,504-55.5% | $2,552-56.3% |
| Participant deferral / active EE | $2,142 | $2,873-25.4% | $3,881-44.8% | $4,126-48.1% |
| Admin fee / account holder | $13,835 | $5,073+172.7% | $6,199+123.2% | $7,339+88.5% |