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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 | $160,279 | $87,106+84.0% | $105,607+51.8% | $80,935+98.0% |
| Participation rate | 23.5% | 70.4%-46.9pp | 75.3%-51.7pp | 67.7%-44.1pp |
| Annual return | 9.80% | 17.01%-7.2pp | 116.11%-106.3pp | 35.66%-25.9pp |
| Employer contribution / active EE | $1,031 | $2,396-57.0% | $3,167-67.5% | $2,757-62.6% |
| Participant deferral / active EE | $2,337 | $3,986-41.4% | $5,011-53.4% | $4,299-45.6% |
| Admin fee / account holder | $1,975 | $8,447-76.6% | $10,958-82.0% | $6,924-71.5% |