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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 | $166,862 | $72,071+131.5% | $68,368+144.1% | $137,256+21.6% |
| Participation rate | 63.2% | 76.2%-13.1pp | 73.8%-10.6pp | 80.0%-16.8pp |
| Annual return | 10.52% | 353.14%-342.6pp | 292.57%-282.1pp | 220.34%-209.8pp |
| Employer contribution / active EE | $1,124 | $2,788-59.7% | $2,649-57.6% | $4,156-73.0% |
| Participant deferral / active EE | $887 | $4,410-79.9% | $4,123-78.5% | $6,407-86.2% |
| Admin fee / account holder | $3,877 | $5,336-27.3% | $5,150-24.7% | $12,270-68.4% |