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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 | $130,725 | $107,363+21.8% | $92,909+40.7% | $152,897-14.5% |
| Participation rate | 58.3% | 79.8%-21.5pp | 76.0%-17.7pp | 82.5%-24.1pp |
| Annual return | 2.69% | 145.63%-142.9pp | 109.44%-106.8pp | 345.43%-342.7pp |
| Employer contribution / active EE | $1,132 | $4,222-73.2% | $3,653-69.0% | $4,764-76.2% |
| Participant deferral / active EE | $1,907 | $4,848-60.7% | $4,238-55.0% | $5,851-67.4% |
| Admin fee / account holder | $18,009 | $7,082+154.3% | $5,795+210.8% | $11,599+55.3% |