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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 | $178,320 | $77,816+129.2% | $123,549+44.3% | $64,181+177.8% |
| Participation rate | 57.4% | 74.7%-17.3pp | 82.3%-24.8pp | 69.6%-12.1pp |
| Annual return | -9.02% | 12.49%-21.5pp | 119.20%-128.2pp | 7.63%-16.7pp |
| Employer contribution / active EE | $4,955 | $3,014+64.4% | $4,628+7.1% | $2,381+108.1% |
| Participant deferral / active EE | $7,362 | $5,240+40.5% | $6,426+14.6% | $3,470+112.2% |
| Admin fee / account holder | $471 | $5,519-91.5% | $9,284-94.9% | $4,887-90.4% |