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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 | $107,175 | $148,623-27.9% | $135,974-21.2% | $139,466-23.2% |
| Participation rate | 16.7% | 83.9%-67.2pp | 81.9%-65.3pp | 80.3%-63.7pp |
| Annual return | 7.55% | 79.30%-71.7pp | 68.30%-60.8pp | 373.66%-366.1pp |
| Employer contribution / active EE | $1,591 | $5,246-69.7% | $4,859-67.2% | $4,754-66.5% |
| Participant deferral / active EE | $4,170 | $8,103-48.5% | $7,760-46.3% | $6,712-37.9% |
| Admin fee / account holder | $158,556 | $12,406+1178.1% | $10,767+1372.7% | $11,409+1289.8% |