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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 | $163,633 | $111,830+46.3% | $93,696+74.6% | $145,884+12.2% |
| Participation rate | 53.8% | 74.2%-20.4pp | 68.7%-14.9pp | 80.3%-26.5pp |
| Annual return | 7.67% | 204.08%-196.4pp | 133.74%-126.1pp | 551.85%-544.2pp |
| Employer contribution / active EE | $1,367 | $3,093-55.8% | $2,422-43.6% | $4,662-70.7% |
| Participant deferral / active EE | $4,289 | $4,920-12.8% | $4,417-2.9% | $6,690-35.9% |
| Admin fee / account holder | $18,170 | $10,249+77.3% | $8,287+119.3% | $13,392+35.7% |