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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 | $126,113+55.1% | $116,096+68.5% | $155,188+26.0% |
| Participation rate | 33.3% | 75.1%-41.8pp | 73.3%-40.0pp | 80.8%-47.5pp |
| Annual return | 4.08% | 391.72%-387.6pp | 326.25%-322.2pp | 148.84%-144.8pp |
| Employer contribution / active EE | $3,814 | $2,672+42.8% | $2,503+52.3% | $4,248-10.2% |
| Participant deferral / active EE | $3,595 | $4,162-13.6% | $3,952-9.0% | $6,531-45.0% |
| Admin fee / account holder | $773,097 | $8,045+9509.8% | $7,704+9935.0% | $14,480+5239.2% |