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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 | $70,366+171.4% | $66,674+186.5% | $138,895+37.5% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.7%-23.7pp | 79.9%-29.9pp |
| Annual return | 8.48% | 386.41%-377.9pp | 321.24%-312.8pp | 145.39%-136.9pp |
| Employer contribution / active EE | $1,400 | $2,765-49.4% | $2,620-46.6% | $4,194-66.6% |
| Participant deferral / active EE | $1,400 | $4,374-68.0% | $4,084-65.7% | $6,396-78.1% |
| Admin fee / account holder | $4,335 | $5,262-17.6% | $5,098-15.0% | $12,562-65.5% |