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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 | $150,088 | $111,878+34.2% | $93,727+60.1% | $145,897+2.9% |
| Participation rate | 25.0% | 74.2%-49.2pp | 68.7%-43.7pp | 80.3%-55.3pp |
| Annual return | 5.52% | 204.28%-198.8pp | 133.83%-128.3pp | 552.29%-546.8pp |
| Employer contribution / active EE | $1,560 | $3,092-49.6% | $2,421-35.6% | $4,663-66.5% |
| Participant deferral / active EE | $4,550 | $4,920-7.5% | $4,417+3.0% | $6,689-32.0% |
| Admin fee / account holder | $2,295 | $10,256-77.6% | $8,292-72.3% | $13,390-82.9% |