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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 | $125,376 | $135,956-7.8% | $123,894+1.2% | $273,972-54.2% |
| Participation rate | 57.1% | 84.1%-26.9pp | 81.4%-24.3pp | 83.0%-25.9pp |
| Annual return | -10.00% | 56.63%-66.6pp | 47.52%-57.5pp | 41.46%-51.5pp |
| Employer contribution / active EE | $0 | $5,170-100.0% | $4,617-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $6,540 | $6,343+3.1% | $5,984+9.3% | $5,287+23.7% |
| Admin fee / account holder | $701 | $9,817-92.9% | $8,357-91.6% | $10,133-93.1% |