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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 | $111,814+34.2% | $93,654+60.3% | $145,959+2.8% |
| Participation rate | 25.0% | 74.2%-49.2pp | 68.7%-43.7pp | 80.3%-55.3pp |
| Annual return | 5.52% | 203.30%-197.8pp | 133.34%-127.8pp | 561.95%-556.4pp |
| Employer contribution / active EE | $1,560 | $3,092-49.5% | $2,421-35.6% | $4,661-66.5% |
| Participant deferral / active EE | $4,550 | $4,914-7.4% | $4,413+3.1% | $6,689-32.0% |
| Admin fee / account holder | $2,295 | $10,246-77.6% | $8,282-72.3% | $13,398-82.9% |