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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 | $135,209 | $65,440+106.6% | $98,506+37.3% | $85,851+57.5% |
| Participation rate | 46.1% | 65.0%-19.0pp | 73.3%-27.3pp | 69.3%-23.3pp |
| Annual return | 10.58% | 21.75%-11.2pp | 1494.92%-1484.3pp | 318.63%-308.1pp |
| Employer contribution / active EE | $0 | $2,169-100.0% | $2,961-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,367 | $3,168+6.3% | $4,277-21.3% | $3,952-14.8% |
| Admin fee / account holder | $1,244 | $4,596-72.9% | $5,955-79.1% | $6,261-80.1% |