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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 | $183,071 | $157,296+16.4% | $141,191+29.7% | $152,897+19.7% |
| Participation rate | 37.5% | 84.8%-47.3pp | 82.5%-45.0pp | 82.5%-45.0pp |
| Annual return | 0.14% | 64.34%-64.2pp | 71.41%-71.3pp | 345.43%-345.3pp |
| Employer contribution / active EE | $1,127 | $5,262-78.6% | $4,736-76.2% | $4,764-76.3% |
| Participant deferral / active EE | $5,662 | $7,111-20.4% | $6,710-15.6% | $5,851-3.2% |
| Admin fee / account holder | $27,076 | $12,125+123.3% | $10,264+163.8% | $11,599+133.4% |