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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 | $155,321 | $81,487+90.6% | $102,412+51.7% | $80,935+91.9% |
| Participation rate | 53.1% | 66.8%-13.7pp | 74.5%-21.4pp | 67.7%-14.5pp |
| Annual return | 9.36% | 25.60%-16.2pp | 24.94%-15.6pp | 35.66%-26.3pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,255 | $3,871+35.8% | $5,060+3.9% | $4,299+22.2% |
| Admin fee / account holder | $18,830 | $6,717+180.3% | $8,388+124.5% | $6,924+171.9% |