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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 | $175,010 | $72,071+142.8% | $68,368+156.0% | $137,256+27.5% |
| Participation rate | 66.7% | 76.2%-9.6pp | 73.8%-7.1pp | 80.0%-13.3pp |
| Annual return | 12.42% | 353.14%-340.7pp | 292.57%-280.2pp | 220.34%-207.9pp |
| Employer contribution / active EE | $2,224 | $2,788-20.2% | $2,649-16.1% | $4,156-46.5% |
| Participant deferral / active EE | $3,706 | $4,410-16.0% | $4,123-10.1% | $6,407-42.2% |
| Admin fee / account holder | $32,053 | $5,336+500.7% | $5,150+522.4% | $12,270+161.2% |