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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 | $149,894 | $95,383+57.1% | $185,837-19.3% | $85,856+74.6% |
| Participation rate | 25.0% | 68.8%-43.8pp | 81.7%-56.7pp | 69.3%-44.3pp |
| Annual return | 8.83% | 23.59%-14.8pp | 122.08%-113.2pp | 318.58%-309.8pp |
| Employer contribution / active EE | $1,046 | $3,313-68.4% | $5,168-79.8% | $2,565-59.2% |
| Participant deferral / active EE | $1,705 | $3,423-50.2% | $5,568-69.4% | $3,952-56.8% |
| Admin fee / account holder | $4,359 | $7,213-39.6% | $16,241-73.2% | $6,261-30.4% |