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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 | $129,746 | $64,729+100.4% | $112,263+15.6% | $68,490+89.4% |
| Participation rate | 53.7% | 67.2%-13.4pp | 75.1%-21.3pp | 67.9%-14.2pp |
| Annual return | -20.60% | -11.40%-9.2pp | 27.49%-48.1pp | -7.85%-12.7pp |
| Employer contribution / active EE | $1,417 | $2,746-48.4% | $3,636-61.0% | $2,597-45.4% |
| Participant deferral / active EE | $3,074 | $3,566-13.8% | $4,729-35.0% | $4,028-23.7% |
| Admin fee / account holder | $3,154 | $5,222-39.6% | $6,410-50.8% | $5,403-41.6% |