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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 | $191,001 | $72,071+165.0% | $68,368+179.4% | $137,256+39.2% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.8%-23.8pp | 80.0%-30.0pp |
| Annual return | 8.48% | 353.14%-344.7pp | 292.57%-284.1pp | 220.34%-211.9pp |
| Employer contribution / active EE | $1,400 | $2,788-49.8% | $2,649-47.1% | $4,156-66.3% |
| Participant deferral / active EE | $1,400 | $4,410-68.3% | $4,123-66.0% | $6,407-78.1% |
| Admin fee / account holder | $4,335 | $5,336-18.8% | $5,150-15.8% | $12,270-64.7% |