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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 | $175,761 | $167,353+5.0% | $143,797+22.2% | $134,545+30.6% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -22.11% | 0.48%-22.6pp | -0.04%-22.1pp | 418.37%-440.5pp |
| Employer contribution / active EE | $7,924 | $5,620+41.0% | $4,952+60.0% | $4,742+67.1% |
| Participant deferral / active EE | $4,681 | $6,447-27.4% | $5,638-17.0% | $6,401-26.9% |
| Admin fee / account holder | $22,398 | $18,096+23.8% | $14,679+52.6% | $11,431+95.9% |