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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 | $200,105 | $154,193+29.8% | $130,045+53.9% | $139,466+43.5% |
| Participation rate | 63.6% | 82.0%-18.3pp | 78.5%-14.9pp | 80.3%-16.7pp |
| Annual return | 9.31% | 32.51%-23.2pp | -137.30%+146.6pp | 373.66%-364.4pp |
| Employer contribution / active EE | $1,811 | $5,292-65.8% | $4,321-58.1% | $4,754-61.9% |
| Participant deferral / active EE | $3,308 | $6,709-50.7% | $5,820-43.2% | $6,712-50.7% |
| Admin fee / account holder | $1,141 | $13,989-91.8% | $10,600-89.2% | $11,409-90.0% |