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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 | $137,455 | $77,157+78.1% | $108,405+26.8% | $85,847+60.1% |
| Participation rate | 64.0% | 74.7%-10.7pp | 80.1%-16.1pp | 69.3%-5.3pp |
| Annual return | 10.30% | 44.55%-34.3pp | 905.55%-895.2pp | 318.61%-308.3pp |
| Employer contribution / active EE | $4,330 | $2,379+82.0% | $3,559+21.7% | $2,565+68.8% |
| Participant deferral / active EE | $7,333 | $5,567+31.7% | $6,563+11.7% | $3,952+85.6% |
| Admin fee / account holder | $15,559 | $5,174+200.7% | $7,297+113.2% | $6,261+148.5% |