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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 | $128,379 | $77,638+65.4% | $156,551-18.0% | $62,881+104.2% |
| Participation rate | 64.8% | 71.2%-6.4pp | 84.0%-19.2pp | 69.3%-4.5pp |
| Annual return | 0.02% | 50.33%-50.3pp | 32.23%-32.2pp | 20.14%-20.1pp |
| Employer contribution / active EE | $2,008 | $3,444-41.7% | $5,501-63.5% | $2,281-11.9% |
| Participant deferral / active EE | $2,974 | $3,046-2.4% | $4,871-39.0% | $3,203-7.2% |
| Admin fee / account holder | $4,824 | $5,561-13.3% | $13,028-63.0% | $4,296+12.3% |