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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 | $168,805 | $89,259+89.1% | $107,187+57.5% | $82,637+104.3% |
| Participation rate | 55.7% | 67.9%-12.2pp | 75.0%-19.3pp | 68.1%-12.4pp |
| Annual return | 10.22% | 21.02%-10.8pp | 204.55%-194.3pp | 53.51%-43.3pp |
| Employer contribution / active EE | $0 | $3,080-100.0% | $3,782-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $6,271 | $4,037+55.3% | $5,096+23.1% | $4,126+52.0% |
| Admin fee / account holder | $18,207 | $7,381+146.7% | $9,162+98.7% | $7,339+148.1% |