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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 | $157,809 | $160,028-1.4% | $147,080+7.3% | $145,884+8.2% |
| Participation rate | 64.3% | 84.0%-19.7pp | 82.2%-17.9pp | 80.3%-16.0pp |
| Annual return | 9.35% | 98.60%-89.3pp | 420.17%-410.8pp | 551.85%-542.5pp |
| Employer contribution / active EE | $2,139 | $5,286-59.5% | $4,933-56.6% | $4,662-54.1% |
| Participant deferral / active EE | $5,522 | $8,422-34.4% | $8,066-31.5% | $6,690-17.5% |
| Admin fee / account holder | $16,570 | $15,030+10.2% | $12,989+27.6% | $13,392+23.7% |