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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 | $130,893 | $56,134+133.2% | $96,161+36.1% | $85,856+52.5% |
| Participation rate | 61.5% | 56.7%+4.8pp | 68.4%-6.9pp | 69.3%-7.8pp |
| Annual return | 10.83% | 42.30%-31.5pp | 192.01%-181.2pp | 318.58%-307.8pp |
| Employer contribution / active EE | $1,050 | $1,620-35.2% | $2,798-62.5% | $2,565-59.1% |
| Participant deferral / active EE | $2,278 | $2,858-20.3% | $4,349-47.6% | $3,952-42.4% |
| Admin fee / account holder | $8,719 | $3,769+131.3% | $5,538+57.4% | $6,261+39.3% |