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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 | $149,825 | $106,008+41.3% | $92,240+62.4% | $147,586+1.5% |
| Participation rate | 69.2% | 80.4%-11.2pp | 76.5%-7.3pp | 82.8%-13.6pp |
| Annual return | 8.87% | 50.05%-41.2pp | 176.29%-167.4pp | 578.59%-569.7pp |
| Employer contribution / active EE | $1,667 | $4,333-61.5% | $3,680-54.7% | $4,876-65.8% |
| Participant deferral / active EE | $5,940 | $4,478+32.6% | $3,897+52.4% | $5,439+9.2% |
| Admin fee / account holder | $12,696 | $6,333+100.5% | $5,194+144.4% | $10,886+16.6% |