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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 | $202,611 | $91,198+122.2% | $178,503+13.5% | $79,856+153.7% |
| Participation rate | 17.5% | 69.2%-51.7pp | 81.9%-64.4pp | 69.6%-52.1pp |
| Annual return | -14.04% | 24.20%-38.2pp | 151.12%-165.2pp | 31.71%-45.7pp |
| Employer contribution / active EE | $3,511 | $3,257+7.8% | $5,011-29.9% | $2,471+42.1% |
| Participant deferral / active EE | $2,519 | $3,237-22.2% | $5,202-51.6% | $3,741-32.7% |
| Admin fee / account holder | $11,386 | $6,748+68.7% | $13,987-18.6% | $5,306+114.6% |