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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 | $245,724 | $149,040+64.9% | $120,225+104.4% | $137,256+79.0% |
| Participation rate | 66.7% | 75.4%-8.8pp | 69.6%-2.9pp | 80.0%-13.3pp |
| Annual return | 4.20% | 605.68%-601.5pp | 439.23%-435.0pp | 220.34%-216.1pp |
| Employer contribution / active EE | $1,990 | $4,350-54.3% | $3,475-42.7% | $4,156-52.1% |
| Participant deferral / active EE | $10,033 | $4,655+115.6% | $3,999+150.9% | $6,407+56.6% |
| Admin fee / account holder | $1,013 | $6,348-84.0% | $5,696-82.2% | $12,270-91.7% |