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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 | $148,620 | $114,093+30.3% | $96,171+54.5% | $167,536-11.3% |
| Participation rate | 61.9% | 75.1%-13.2pp | 68.4%-6.5pp | 82.1%-20.2pp |
| Annual return | 7.77% | 190.00%-182.2pp | 192.04%-184.3pp | 478.82%-471.0pp |
| Employer contribution / active EE | $2,804 | $3,429-18.2% | $2,799+0.2% | $4,839-42.0% |
| Participant deferral / active EE | $4,439 | $5,197-14.6% | $4,350+2.0% | $6,342-30.0% |
| Admin fee / account holder | $523 | $6,899-92.4% | $5,538-90.6% | $12,315-95.8% |