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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 | $147,075 | $115,814+27.0% | $101,275+45.2% | $158,982-7.5% |
| Participation rate | 57.1% | 79.4%-22.2pp | 75.8%-18.7pp | 82.0%-24.8pp |
| Annual return | 7.44% | 56.16%-48.7pp | 46.48%-39.0pp | 302.99%-295.5pp |
| Employer contribution / active EE | $0 | $4,176-100.0% | $3,660-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $6,725 | $4,958+35.6% | $4,371+53.9% | $5,983+12.4% |
| Admin fee / account holder | $56,711 | $7,249+682.3% | $5,948+853.4% | $11,252+404.0% |