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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 | $242,634 | $98,240+147.0% | $82,312+194.8% | $147,586+64.4% |
| Participation rate | 41.7% | 79.7%-38.1pp | 76.9%-35.2pp | 82.8%-41.2pp |
| Annual return | 6.46% | 30.85%-24.4pp | 25.88%-19.4pp | 578.59%-572.1pp |
| Employer contribution / active EE | $760 | $3,192-76.2% | $2,428-68.7% | $4,876-84.4% |
| Participant deferral / active EE | $4,210 | $4,383-4.0% | $3,706+13.6% | $5,439-22.6% |
| Admin fee / account holder | $1,646 | $8,563-80.8% | $5,608-70.6% | $10,886-84.9% |