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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 | $184,943 | $98,776+87.2% | $149,745+23.5% | $79,856+131.6% |
| Participation rate | 65.5% | 75.8%-10.3pp | 82.5%-17.0pp | 69.6%-4.1pp |
| Annual return | 9.71% | 27.38%-17.7pp | 276.72%-267.0pp | 31.71%-22.0pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,610 | $5,681-36.5% | $6,843-47.2% | $3,741-3.5% |
| Admin fee / account holder | $55,880 | $6,053+823.2% | $9,312+500.1% | $5,306+953.1% |