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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 | $162,499 | $76,407+112.7% | $150,298+8.1% | $82,448+97.1% |
| Participation rate | 55.6% | 66.4%-10.8pp | 77.8%-22.2pp | 68.1%-12.5pp |
| Annual return | 1.66% | 39.99%-38.3pp | 62.79%-61.1pp | 41.64%-40.0pp |
| Employer contribution / active EE | $1,691 | $2,614-35.3% | $4,154-59.3% | $2,551-33.7% |
| Participant deferral / active EE | $3,513 | $3,214+9.3% | $5,453-35.6% | $4,139-15.1% |
| Admin fee / account holder | $211,684 | $6,352+3232.6% | $14,116+1399.6% | $7,234+2826.1% |