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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 | $165,819 | $86,288+92.2% | $111,306+49.0% | $85,851+93.1% |
| Participation rate | 63.0% | 73.3%-10.4pp | 77.3%-14.4pp | 69.3%-6.4pp |
| Annual return | 5.26% | 19.99%-14.7pp | 54.67%-49.4pp | 318.63%-313.4pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,224 | $3,641-11.4% | $4,488-28.1% | $3,952-18.4% |
| Admin fee / account holder | $8,300 | $8,189+1.4% | $7,966+4.2% | $6,261+32.6% |