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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 | $140,516 | $102,422+37.2% | $147,117-4.5% | $80,959+73.6% |
| Participation rate | 48.8% | 75.9%-27.0pp | 82.2%-33.3pp | 67.7%-18.8pp |
| Annual return | 8.76% | 135.16%-126.4pp | 420.54%-411.8pp | 35.67%-26.9pp |
| Employer contribution / active EE | $1,681 | $3,717-54.8% | $4,932-65.9% | $2,757-39.0% |
| Participant deferral / active EE | $3,018 | $6,652-54.6% | $8,065-62.6% | $4,300-29.8% |
| Admin fee / account holder | $17,386 | $7,953+118.6% | $12,993+33.8% | $6,925+151.1% |