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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 | $155,890 | $53,596+190.9% | $90,657+72.0% | $64,173+142.9% |
| Participation rate | 22.9% | 64.5%-41.7pp | 74.0%-51.2pp | 69.6%-46.7pp |
| Annual return | -8.73% | 4.41%-13.1pp | 1.89%-10.6pp | 7.63%-16.4pp |
| Employer contribution / active EE | $369 | $1,503-75.5% | $2,532-85.4% | $2,381-84.5% |
| Participant deferral / active EE | $1,647 | $2,459-33.0% | $3,424-51.9% | $3,470-52.5% |
| Admin fee / account holder | $9,766 | $3,868+152.5% | $4,994+95.5% | $4,887+99.8% |