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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 | $234,523 | $126,661+85.2% | $113,397+106.8% | $138,895+68.8% |
| Participation rate | 46.7% | 79.4%-32.8pp | 76.5%-29.8pp | 79.9%-33.3pp |
| Annual return | 6.99% | 25.05%-18.1pp | 23.20%-16.2pp | 145.39%-138.4pp |
| Employer contribution / active EE | $0 | $3,456-100.0% | $2,977-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $9,188 | $5,693+61.4% | $5,076+81.0% | $6,396+43.6% |
| Admin fee / account holder | $30,644 | $14,549+110.6% | $11,957+156.3% | $12,562+143.9% |