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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 | $166,817 | $75,962+119.6% | $154,111+8.2% | $64,173+159.9% |
| Participation rate | 65.8% | 70.4%-4.6pp | 83.0%-17.2pp | 69.6%-3.8pp |
| Annual return | -8.40% | 30.32%-38.7pp | 735.18%-743.6pp | 7.63%-16.0pp |
| Employer contribution / active EE | $1,661 | $3,350-50.4% | $5,298-68.6% | $2,381-30.2% |
| Participant deferral / active EE | $5,356 | $3,175+68.7% | $5,081+5.4% | $3,470+54.4% |
| Admin fee / account holder | $377 | $5,589-93.3% | $13,411-97.2% | $4,887-92.3% |