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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 | $136,645 | $65,555+108.4% | $86,216+58.5% | $75,173+81.8% |
| Participation rate | 55.6% | 60.5%-4.9pp | 69.0%-13.4pp | 67.2%-11.6pp |
| Annual return | 6.24% | 46.07%-39.8pp | 1169.42%-1163.2pp | 160.72%-154.5pp |
| Employer contribution / active EE | $3,701 | $1,553+138.3% | $2,382+55.4% | $2,671+38.6% |
| Participant deferral / active EE | $3,877 | $3,023+28.2% | $3,986-2.7% | $4,126-6.0% |
| Admin fee / account holder | $19,013 | $5,469+247.6% | $6,853+177.4% | $5,651+236.5% |