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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 | $144,345 | $72,071+100.3% | $68,368+111.1% | $137,256+5.2% |
| Participation rate | 55.6% | 76.2%-20.7pp | 73.8%-18.2pp | 80.0%-24.4pp |
| Annual return | 10.68% | 353.14%-342.5pp | 292.57%-281.9pp | 220.34%-209.7pp |
| Employer contribution / active EE | $1,736 | $2,788-37.7% | $2,649-34.5% | $4,156-58.2% |
| Participant deferral / active EE | $2,669 | $4,410-39.5% | $4,123-35.3% | $6,407-58.3% |
| Admin fee / account holder | $171,481 | $5,336+3113.9% | $5,150+3229.9% | $12,270+1297.5% |