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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 | $123,331 | $93,598+31.8% | $135,974-9.3% | $75,173+64.1% |
| Participation rate | 58.3% | 75.2%-16.9pp | 81.9%-23.6pp | 67.2%-8.9pp |
| Annual return | 12.97% | 30.89%-17.9pp | 68.30%-55.3pp | 160.72%-147.7pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,873 | $6,405-23.9% | $7,760-37.2% | $4,126+18.1% |
| Admin fee / account holder | $10,451 | $6,978+49.8% | $10,767-2.9% | $5,651+84.9% |