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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 | $143,954 | $96,419+49.3% | $80,648+78.5% | $139,487+3.2% |
| Participation rate | 66.7% | 73.6%-7.0pp | 67.0%-0.3pp | 80.3%-13.7pp |
| Annual return | 4.01% | 1352.86%-1348.9pp | 937.21%-933.2pp | 373.84%-369.8pp |
| Employer contribution / active EE | $1,152 | $3,261-64.7% | $2,724-57.7% | $4,755-75.8% |
| Participant deferral / active EE | $20,000 | $5,225+282.8% | $4,443+350.1% | $6,713+197.9% |
| Admin fee / account holder | $21,708 | $6,605+228.7% | $5,382+303.3% | $11,407+90.3% |