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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 | $163,211 | $102,429+59.3% | $147,096+11.0% | $80,925+101.7% |
| Participation rate | 65.6% | 75.9%-10.2pp | 82.2%-16.6pp | 67.7%-2.0pp |
| Annual return | 10.93% | 135.02%-124.1pp | 419.75%-408.8pp | 35.65%-24.7pp |
| Employer contribution / active EE | $868 | $3,716-76.6% | $4,936-82.4% | $2,756-68.5% |
| Participant deferral / active EE | $7,468 | $6,649+12.3% | $8,071-7.5% | $4,299+73.7% |
| Admin fee / account holder | $4,859 | $7,957-38.9% | $13,005-62.6% | $6,940-30.0% |