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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 | $102,393+58.9% | $147,041+10.7% | $80,911+101.1% |
| Participation rate | 54.5% | 75.9%-21.3pp | 82.2%-27.6pp | 67.6%-13.1pp |
| Annual return | 10.56% | 134.95%-124.4pp | 419.21%-408.7pp | 35.63%-25.1pp |
| Employer contribution / active EE | $2,107 | $3,715-43.3% | $4,935-57.3% | $2,756-23.5% |
| Participant deferral / active EE | $4,313 | $6,647-35.1% | $8,071-46.6% | $4,297+0.4% |
| Admin fee / account holder | $5,971 | $7,943-24.8% | $13,006-54.1% | $6,935-13.9% |