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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 | $108,064 | $114,119-5.3% | $107,187+0.8% | $138,895-22.2% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 79.9%-29.9pp |
| Annual return | 4.71% | 273.21%-268.5pp | 204.55%-199.8pp | 145.39%-140.7pp |
| Employer contribution / active EE | $1,569 | $4,059-61.3% | $3,782-58.5% | $4,194-62.6% |
| Participant deferral / active EE | $6,319 | $5,538+14.1% | $5,096+24.0% | $6,396-1.2% |
| Admin fee / account holder | $1,061 | $10,024-89.4% | $9,162-88.4% | $12,562-91.6% |