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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 | $206,727 | $85,766+141.0% | $136,298+51.7% | $70,126+194.8% |
| Participation rate | 59.6% | 74.2%-14.6pp | 81.9%-22.3pp | 69.5%-10.0pp |
| Annual return | 13.28% | 31.46%-18.2pp | 5156.27%-5143.0pp | 73.15%-59.9pp |
| Employer contribution / active EE | $2,808 | $2,966-5.3% | $4,696-40.2% | $2,343+19.9% |
| Participant deferral / active EE | $5,809 | $5,051+15.0% | $6,247-7.0% | $3,332+74.4% |
| Admin fee / account holder | $51,581 | $5,421+851.6% | $9,244+458.0% | $4,645+1010.3% |