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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 | $106,732 | $185,312-42.4% | $161,489-33.9% | $154,746-31.0% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | -11.64% | 103.84%-115.5pp | 89.72%-101.4pp | 172.34%-184.0pp |
| Employer contribution / active EE | $1,934 | $4,769-59.4% | $4,268-54.7% | $4,379-55.8% |
| Participant deferral / active EE | $9,793 | $6,350+54.2% | $5,630+73.9% | $6,730+45.5% |
| Admin fee / account holder | $960 | $18,654-94.9% | $16,006-94.0% | $14,365-93.3% |