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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 | $221,845 | $157,304+41.0% | $141,197+57.1% | $152,909+45.1% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 1.40% | 64.34%-62.9pp | 71.41%-70.0pp | 345.46%-344.1pp |
| Employer contribution / active EE | $943 | $5,263-82.1% | $4,736-80.1% | $4,764-80.2% |
| Participant deferral / active EE | $0 | $7,111-100.0% | $6,710-100.0% | $5,851-100.0% |
| Admin fee / account holder | $1,601 | $12,126-86.8% | $10,265-84.4% | $11,601-86.2% |