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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 | $196,752 | $98,776+99.2% | $149,745+31.4% | $79,856+146.4% |
| Participation rate | 66.7% | 75.8%-9.1pp | 82.5%-15.8pp | 69.6%-3.0pp |
| Annual return | 11.50% | 27.38%-15.9pp | 276.72%-265.2pp | 31.71%-20.2pp |
| Employer contribution / active EE | $744 | $3,217-76.9% | $4,646-84.0% | $2,471-69.9% |
| Participant deferral / active EE | $6,142 | $5,681+8.1% | $6,843-10.2% | $3,741+64.2% |
| Admin fee / account holder | $48,877 | $6,053+707.5% | $9,312+424.9% | $5,306+821.1% |