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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 | $179,473 | $160,070+12.1% | $147,117+22.0% | $145,897+23.0% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 8.20% | 98.69%-90.5pp | 420.54%-412.3pp | 552.29%-544.1pp |
| Employer contribution / active EE | $1,213 | $5,285-77.0% | $4,932-75.4% | $4,663-74.0% |
| Participant deferral / active EE | $4,853 | $8,419-42.4% | $8,065-39.8% | $6,689-27.5% |
| Admin fee / account holder | $52,162 | $15,035+246.9% | $12,993+301.5% | $13,390+289.6% |