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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 | $227,993 | $63,346+259.9% | $92,240+147.2% | $70,126+225.1% |
| Participation rate | 61.5% | 68.7%-7.1pp | 76.5%-14.9pp | 69.5%-8.0pp |
| Annual return | 10.44% | 530.19%-519.8pp | 176.29%-165.9pp | 73.15%-62.7pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,465 | $2,854+56.5% | $3,897+14.6% | $3,332+34.0% |
| Admin fee / account holder | $20,074 | $3,841+422.7% | $5,194+286.5% | $4,645+332.1% |