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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 | $167,744 | $167,362+0.2% | $143,799+16.7% | $134,532+24.7% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -22.15% | 0.47%-22.6pp | -0.04%-22.1pp | 418.27%-440.4pp |
| Employer contribution / active EE | $1,280 | $5,620-77.2% | $4,952-74.2% | $4,741-73.0% |
| Participant deferral / active EE | $8,982 | $6,447+39.3% | $5,638+59.3% | $6,401+40.3% |
| Admin fee / account holder | $7,989 | $18,094-55.8% | $14,677-45.6% | $11,429-30.1% |