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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 | $180,512 | $129,737+39.1% | $119,126+51.5% | $154,746+16.7% |
| Participation rate | 58.8% | 78.9%-20.0pp | 75.8%-16.9pp | 80.7%-21.9pp |
| Annual return | 9.73% | 379.08%-369.4pp | 282.11%-272.4pp | 172.34%-162.6pp |
| Employer contribution / active EE | $1,459 | $4,375-66.7% | $4,034-63.8% | $4,379-66.7% |
| Participant deferral / active EE | $5,064 | $5,842-13.3% | $5,318-4.8% | $6,730-24.8% |
| Admin fee / account holder | $43,774 | $11,961+266.0% | $10,693+309.4% | $14,365+204.7% |