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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 | $113,056 | $148,629-23.9% | $135,982-16.9% | $139,487-18.9% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 10.24% | 79.33%-69.1pp | 68.32%-58.1pp | 373.84%-363.6pp |
| Employer contribution / active EE | $2,389 | $5,247-54.5% | $4,859-50.8% | $4,755-49.8% |
| Participant deferral / active EE | $4,877 | $8,102-39.8% | $7,760-37.1% | $6,713-27.3% |
| Admin fee / account holder | $64,816 | $12,406+422.4% | $10,767+502.0% | $11,407+468.2% |