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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 | $204,189 | $192,829+5.9% | $142,516+43.3% | $139,466+46.4% |
| Participation rate | 0.0% | 81.4%-81.4pp | 76.8%-76.8pp | 80.3%-80.3pp |
| Annual return | -8.29% | 17.99%-26.3pp | 19.99%-28.3pp | 373.66%-382.0pp |
| Employer contribution / active EE | $1,983 | $5,808-65.9% | $4,849-59.1% | $4,754-58.3% |
| Participant deferral / active EE | $7,013 | $7,200-2.6% | $6,280+11.7% | $6,712+4.5% |
| Admin fee / account holder | $4,510 | $15,120-70.2% | $10,008-54.9% | $11,409-60.5% |