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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 | $156,557 | $64,719+141.9% | $112,249+39.5% | $68,486+128.6% |
| Participation rate | 46.4% | 67.2%-20.7pp | 75.1%-28.6pp | 67.9%-21.5pp |
| Annual return | -19.91% | -11.40%-8.5pp | 27.48%-47.4pp | -7.85%-12.1pp |
| Employer contribution / active EE | $0 | $2,747-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $7,593 | $3,565+113.0% | $4,729+60.6% | $4,028+88.5% |
| Admin fee / account holder | $14,433 | $5,232+175.8% | $6,412+125.1% | $5,404+167.1% |