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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 | $232,812 | $156,398+48.9% | $147,318+58.0% | $138,895+67.6% |
| Participation rate | 42.1% | 83.8%-41.7pp | 82.1%-40.0pp | 79.9%-37.8pp |
| Annual return | 11.75% | 78.75%-67.0pp | 70.43%-58.7pp | 145.39%-133.6pp |
| Employer contribution / active EE | $0 | $4,853-100.0% | $4,593-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $3,405 | $8,237-58.7% | $7,906-56.9% | $6,396-46.8% |
| Admin fee / account holder | $2,976 | $14,976-80.1% | $13,708-78.3% | $12,562-76.3% |