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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 | $132,804 | $140,592-5.5% | $123,106+7.9% | $125,388+5.9% |
| Participation rate | 60.0% | 88.2%-28.2pp | 86.8%-26.8pp | 83.2%-23.2pp |
| Annual return | -10.58% | 16.80%-27.4pp | 13.22%-23.8pp | 282.24%-292.8pp |
| Employer contribution / active EE | $18,250 | $6,041+202.1% | $5,151+254.3% | $4,866+275.0% |
| Participant deferral / active EE | $12,806 | $6,980+83.5% | $6,229+105.6% | $5,352+139.3% |
| Admin fee / account holder | $391 | $11,198-96.5% | $9,015-95.7% | $9,541-95.9% |