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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 | $94,001 | $72,071+30.4% | $68,368+37.5% | $137,256-31.5% |
| Participation rate | 37.5% | 76.2%-38.7pp | 73.8%-36.3pp | 80.0%-42.5pp |
| Annual return | 5.10% | 353.14%-348.0pp | 292.57%-287.5pp | 220.34%-215.2pp |
| Employer contribution / active EE | $1,461 | $2,788-47.6% | $2,649-44.9% | $4,156-64.9% |
| Participant deferral / active EE | $6,478 | $4,410+46.9% | $4,123+57.1% | $6,407+1.1% |
| Admin fee / account holder | $23,592 | $5,336+342.2% | $5,150+358.1% | $12,270+92.3% |