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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 | $83,277 | $110,379-24.6% | $102,412-18.7% | $145,884-42.9% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 8.44% | 24.84%-16.4pp | 24.94%-16.5pp | 551.85%-543.4pp |
| Employer contribution / active EE | $1,130 | $4,216-73.2% | $3,870-70.8% | $4,662-75.8% |
| Participant deferral / active EE | $4,042 | $5,622-28.1% | $5,060-20.1% | $6,690-39.6% |
| Admin fee / account holder | $32,050 | $9,745+228.9% | $8,388+282.1% | $13,392+139.3% |