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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 | $147,996 | $99,032+49.4% | $80,022+84.9% | $135,380+9.3% |
| Participation rate | 56.5% | 78.4%-21.8pp | 75.8%-19.3pp | 82.6%-26.1pp |
| Annual return | -9.14% | 15.39%-24.5pp | 11.22%-20.4pp | 519.81%-528.9pp |
| Employer contribution / active EE | $1,324 | $3,043-56.5% | $2,468-46.3% | $4,779-72.3% |
| Participant deferral / active EE | $2,926 | $4,282-31.7% | $3,686-20.6% | $5,609-47.8% |
| Admin fee / account holder | $20,242 | $10,436+94.0% | $6,521+210.4% | $10,828+86.9% |