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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 | $115,919 | $58,828+97.0% | $78,002+48.6% | $62,881+84.3% |
| Participation rate | 48.1% | 71.1%-22.9pp | 75.5%-27.4pp | 69.3%-21.2pp |
| Annual return | 2.73% | 17.16%-14.4pp | 425.99%-423.3pp | 20.14%-17.4pp |
| Employer contribution / active EE | $944 | $1,672-43.6% | $2,470-61.8% | $2,281-58.6% |
| Participant deferral / active EE | $2,012 | $2,686-25.1% | $3,497-42.5% | $3,203-37.2% |
| Admin fee / account holder | $10,728 | $4,393+144.2% | $5,481+95.7% | $4,296+149.7% |