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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 | $156,442 | $102,385+52.8% | $147,080+6.4% | $80,935+93.3% |
| Participation rate | 66.7% | 75.9%-9.2pp | 82.2%-15.5pp | 67.7%-1.0pp |
| Annual return | 9.98% | 135.09%-125.1pp | 420.17%-410.2pp | 35.66%-25.7pp |
| Employer contribution / active EE | $1,575 | $3,717-57.6% | $4,933-68.1% | $2,757-42.9% |
| Participant deferral / active EE | $6,977 | $6,651+4.9% | $8,066-13.5% | $4,299+62.3% |
| Admin fee / account holder | $55,638 | $7,951+599.7% | $12,989+328.4% | $6,924+703.5% |