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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 | $167,347 | $149,040+12.3% | $120,225+39.2% | $137,256+21.9% |
| Participation rate | 57.1% | 75.4%-18.3pp | 69.6%-12.4pp | 80.0%-22.8pp |
| Annual return | 8.28% | 605.68%-597.4pp | 439.23%-430.9pp | 220.34%-212.1pp |
| Employer contribution / active EE | $2,059 | $4,350-52.7% | $3,475-40.8% | $4,156-50.5% |
| Participant deferral / active EE | $4,389 | $4,655-5.7% | $3,999+9.8% | $6,407-31.5% |
| Admin fee / account holder | $8,314 | $6,348+31.0% | $5,696+46.0% | $12,270-32.2% |