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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 | $165,172 | $114,130+44.7% | $96,192+71.7% | $167,553-1.4% |
| Participation rate | 54.5% | 75.1%-20.5pp | 68.4%-13.9pp | 82.1%-27.6pp |
| Annual return | 0.11% | 190.07%-190.0pp | 192.09%-192.0pp | 478.89%-478.8pp |
| Employer contribution / active EE | $1,632 | $3,431-52.4% | $2,799-41.7% | $4,840-66.3% |
| Participant deferral / active EE | $2,898 | $5,198-44.2% | $4,351-33.4% | $6,343-54.3% |
| Admin fee / account holder | $1,180 | $6,901-82.9% | $5,539-78.7% | $12,316-90.4% |