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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 | $122,266 | $165,361-26.1% | $149,715-18.3% | $158,950-23.1% |
| Participation rate | 57.1% | 84.6%-27.4pp | 82.5%-25.3pp | 82.0%-24.8pp |
| Annual return | -5.38% | 348.24%-353.6pp | 276.66%-282.0pp | 302.91%-308.3pp |
| Employer contribution / active EE | $4,025 | $5,103-21.1% | $4,645-13.3% | $4,762-15.5% |
| Participant deferral / active EE | $8,240 | $7,182+14.7% | $6,842+20.4% | $5,983+37.7% |
| Admin fee / account holder | $79,499 | $10,808+635.6% | $9,310+753.9% | $11,248+606.8% |