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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 | $90,299 | $55,889+61.6% | $76,119+18.6% | $80,935+11.6% |
| Participation rate | 55.9% | 62.1%-6.1pp | 69.1%-13.1pp | 67.7%-11.7pp |
| Annual return | 9.55% | 20.58%-11.0pp | 361.25%-351.7pp | 35.66%-26.1pp |
| Employer contribution / active EE | $863 | $1,866-53.8% | $2,693-68.0% | $2,757-68.7% |
| Participant deferral / active EE | $2,692 | $3,051-11.8% | $4,259-36.8% | $4,299-37.4% |
| Admin fee / account holder | $24,828 | $5,241+373.7% | $6,421+286.6% | $6,924+258.6% |