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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 | $136,930 | $98,760+38.6% | $149,715-8.5% | $79,858+71.5% |
| Participation rate | 60.7% | 75.8%-15.1pp | 82.5%-21.8pp | 69.6%-8.9pp |
| Annual return | 9.79% | 27.43%-17.6pp | 276.66%-266.9pp | 31.72%-21.9pp |
| Employer contribution / active EE | $2,314 | $3,217-28.1% | $4,645-50.2% | $2,471-6.4% |
| Participant deferral / active EE | $5,369 | $5,681-5.5% | $6,842-21.5% | $3,740+43.5% |
| Admin fee / account holder | $30,136 | $6,053+397.9% | $9,310+223.7% | $5,306+468.0% |