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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 | $153,004 | $65,361+134.1% | $92,903+64.7% | $72,983+109.6% |
| Participation rate | 68.4% | 68.3%+0.1pp | 76.0%-7.6pp | 69.5%-1.1pp |
| Annual return | -0.95% | 42.11%-43.1pp | 109.43%-110.4pp | 81.01%-82.0pp |
| Employer contribution / active EE | $2,454 | $2,594-5.4% | $3,653-32.8% | $2,440+0.6% |
| Participant deferral / active EE | $5,201 | $3,128+66.3% | $4,238+22.7% | $3,608+44.2% |
| Admin fee / account holder | $68,852 | $4,251+1519.7% | $5,795+1088.2% | $5,124+1243.7% |