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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 | $203,529 | $112,131+81.5% | $95,964+112.1% | $158,982+28.0% |
| Participation rate | 66.7% | 79.0%-12.3pp | 77.1%-10.4pp | 82.0%-15.3pp |
| Annual return | 4.48% | 171.19%-166.7pp | 91.64%-87.2pp | 302.99%-298.5pp |
| Employer contribution / active EE | $2,269 | $3,199-29.1% | $2,541-10.7% | $4,763-52.4% |
| Participant deferral / active EE | $9,684 | $4,784+102.4% | $4,167+132.4% | $5,983+61.8% |
| Admin fee / account holder | $68,807 | $10,136+578.8% | $6,797+912.3% | $11,252+511.5% |