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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 | $195,577 | $102,938+90.0% | $94,105+107.8% | $138,895+40.8% |
| Participation rate | 33.3% | 74.6%-41.3pp | 71.9%-38.6pp | 79.9%-46.6pp |
| Annual return | 4.08% | 250.28%-246.2pp | 204.55%-200.5pp | 145.39%-141.3pp |
| Employer contribution / active EE | $3,814 | $2,732+39.6% | $2,504+52.3% | $4,194-9.1% |
| Participant deferral / active EE | $3,595 | $4,196-14.3% | $3,881-7.4% | $6,396-43.8% |
| Admin fee / account holder | $773,097 | $6,600+11613.8% | $6,199+12370.7% | $12,562+6054.2% |