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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 | $136,491 | $148,623-8.2% | $135,974+0.4% | $139,466-2.1% |
| Participation rate | 55.6% | 83.9%-28.3pp | 81.9%-26.4pp | 80.3%-24.8pp |
| Annual return | 8.66% | 79.30%-70.6pp | 68.30%-59.6pp | 373.66%-365.0pp |
| Employer contribution / active EE | $1,940 | $5,246-63.0% | $4,859-60.1% | $4,754-59.2% |
| Participant deferral / active EE | $4,833 | $8,103-40.4% | $7,760-37.7% | $6,712-28.0% |
| Admin fee / account holder | $101,665 | $12,406+719.5% | $10,767+844.3% | $11,409+791.1% |