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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 | $111,830+34.2% | $93,696+60.2% | $145,884+2.9% |
| Participation rate | 25.0% | 74.2%-49.2pp | 68.7%-43.7pp | 80.3%-55.3pp |
| Annual return | 5.52% | 204.08%-198.6pp | 133.74%-128.2pp | 551.85%-546.3pp |
| Employer contribution / active EE | $1,560 | $3,093-49.6% | $2,422-35.6% | $4,662-66.5% |
| Participant deferral / active EE | $4,550 | $4,920-7.5% | $4,417+3.0% | $6,690-32.0% |
| Admin fee / account holder | $2,295 | $10,249-77.6% | $8,287-72.3% | $13,392-82.9% |