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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 | $162,703 | $102,422+58.9% | $147,117+10.6% | $80,959+101.0% |
| Participation rate | 54.5% | 75.9%-21.3pp | 82.2%-27.6pp | 67.7%-13.1pp |
| Annual return | 10.56% | 135.16%-124.6pp | 420.54%-410.0pp | 35.67%-25.1pp |
| Employer contribution / active EE | $2,107 | $3,717-43.3% | $4,932-57.3% | $2,757-23.6% |
| Participant deferral / active EE | $4,313 | $6,652-35.2% | $8,065-46.5% | $4,300+0.3% |
| Admin fee / account holder | $5,971 | $7,953-24.9% | $12,993-54.0% | $6,925-13.8% |