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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 | $245,648 | $88,672+177.0% | $105,223+133.5% | $82,448+197.9% |
| Participation rate | 29.6% | 67.9%-38.3pp | 75.0%-45.4pp | 68.1%-38.4pp |
| Annual return | 9.89% | 30.86%-21.0pp | 180.65%-170.8pp | 41.64%-31.8pp |
| Employer contribution / active EE | $1,816 | $3,048-40.4% | $3,689-50.8% | $2,551-28.8% |
| Participant deferral / active EE | $1,819 | $4,036-54.9% | $5,072-64.1% | $4,139-56.1% |
| Admin fee / account holder | $20,672 | $7,146+189.3% | $8,859+133.3% | $7,234+185.7% |