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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 | $99,546 | $73,988+34.5% | $96,538+3.1% | $75,177+32.4% |
| Participation rate | 29.2% | 66.4%-37.3pp | 74.3%-45.2pp | 67.2%-38.0pp |
| Annual return | -8.34% | 26.73%-35.1pp | 35.74%-44.1pp | 160.75%-169.1pp |
| Employer contribution / active EE | $1,875 | $2,930-36.0% | $3,740-49.9% | $2,671-29.8% |
| Participant deferral / active EE | $1,756 | $3,660-52.0% | $4,880-64.0% | $4,126-57.4% |
| Admin fee / account holder | $4,259 | $5,220-18.4% | $6,737-36.8% | $5,651-24.6% |