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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 | $120,153 | $167,362-28.2% | $143,799-16.4% | $134,532-10.7% |
| Participation rate | 16.7% | 84.8%-68.2pp | 80.3%-63.6pp | 81.2%-64.6pp |
| Annual return | -20.62% | 0.47%-21.1pp | -0.04%-20.6pp | 418.27%-438.9pp |
| Employer contribution / active EE | $8,064 | $5,620+43.5% | $4,952+62.8% | $4,741+70.1% |
| Participant deferral / active EE | $4,333 | $6,447-32.8% | $5,638-23.1% | $6,401-32.3% |
| Admin fee / account holder | $1,854 | $18,094-89.8% | $14,677-87.4% | $11,429-83.8% |