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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 | $156,745 | $54,357+188.4% | $82,706+89.5% | $68,495+128.8% |
| Participation rate | 69.2% | 63.9%+5.3pp | 72.6%-3.3pp | 67.9%+1.3pp |
| Annual return | -21.98% | -13.67%-8.3pp | 701.76%-723.7pp | -7.84%-14.1pp |
| Employer contribution / active EE | $2,694 | $2,218+21.4% | $3,007-10.4% | $2,596+3.7% |
| Participant deferral / active EE | $5,519 | $3,246+70.0% | $4,394+25.6% | $4,028+37.0% |
| Admin fee / account holder | $21,156 | $4,396+381.2% | $5,329+297.0% | $5,403+291.5% |