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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 | $111,584 | $49,891+123.7% | $80,607+38.4% | $75,181+48.4% |
| Participation rate | 51.7% | 55.3%-3.6pp | 67.0%-15.3pp | 67.2%-15.5pp |
| Annual return | 13.55% | 34.67%-21.1pp | 936.11%-922.6pp | 160.69%-147.1pp |
| Employer contribution / active EE | $1,540 | $1,698-9.3% | $2,724-43.5% | $2,671-42.3% |
| Participant deferral / active EE | $3,432 | $2,991+14.7% | $4,448-22.8% | $4,126-16.8% |
| Admin fee / account holder | $10,198 | $3,578+185.1% | $5,379+89.6% | $5,650+80.5% |