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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 | $130,868 | $56,134+133.1% | $96,192+36.0% | $85,851+52.4% |
| Participation rate | 48.3% | 56.7%-8.4pp | 68.4%-20.2pp | 69.3%-21.0pp |
| Annual return | 11.20% | 42.30%-31.1pp | 192.09%-180.9pp | 318.63%-307.4pp |
| Employer contribution / active EE | $1,506 | $1,620-7.1% | $2,799-46.2% | $2,565-41.3% |
| Participant deferral / active EE | $4,593 | $2,858+60.7% | $4,351+5.6% | $3,952+16.2% |
| Admin fee / account holder | $854 | $3,769-77.3% | $5,539-84.6% | $6,261-86.4% |