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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 | $170,117 | $95,406+78.3% | $185,849-8.5% | $85,847+98.2% |
| Participation rate | 57.1% | 68.8%-11.6pp | 81.7%-24.6pp | 69.3%-12.2pp |
| Annual return | 11.48% | 23.59%-12.1pp | 122.10%-110.6pp | 318.61%-307.1pp |
| Employer contribution / active EE | $1,255 | $3,314-62.1% | $5,169-75.7% | $2,565-51.1% |
| Participant deferral / active EE | $2,629 | $3,424-23.2% | $5,569-52.8% | $3,952-33.5% |
| Admin fee / account holder | $225,161 | $7,214+3021.1% | $16,244+1286.1% | $6,261+3496.4% |