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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 | $147,816 | $96,691+52.9% | $86,656+70.6% | $139,487+6.0% |
| Participation rate | 63.2% | 74.4%-11.3pp | 71.7%-8.5pp | 80.3%-17.2pp |
| Annual return | 9.58% | 106.87%-97.3pp | 593.09%-583.5pp | 373.84%-364.3pp |
| Employer contribution / active EE | $7,859 | $3,267+140.6% | $3,025+159.8% | $4,755+65.3% |
| Participant deferral / active EE | $3,698 | $4,838-23.6% | $4,439-16.7% | $6,713-44.9% |
| Admin fee / account holder | $3,411 | $6,414-46.8% | $5,619-39.3% | $11,407-70.1% |