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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 | $172,524 | $109,872+57.0% | $98,483+75.2% | $167,536+3.0% |
| Participation rate | 45.8% | 75.8%-30.0pp | 73.3%-27.5pp | 82.1%-36.3pp |
| Annual return | 9.11% | 1959.31%-1950.2pp | 1494.38%-1485.3pp | 478.82%-469.7pp |
| Employer contribution / active EE | $1,500 | $3,225-53.5% | $2,961-49.3% | $4,839-69.0% |
| Participant deferral / active EE | $3,267 | $4,673-30.1% | $4,276-23.6% | $6,342-48.5% |
| Admin fee / account holder | $34,315 | $6,757+407.8% | $5,953+476.5% | $12,315+178.7% |