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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 | $135,776 | $157,296-13.7% | $141,191-3.8% | $152,897-11.2% |
| Participation rate | 20.0% | 84.8%-64.8pp | 82.5%-62.5pp | 82.5%-62.5pp |
| Annual return | 12.31% | 64.34%-52.0pp | 71.41%-59.1pp | 345.43%-333.1pp |
| Employer contribution / active EE | $2,850 | $5,262-45.8% | $4,736-39.8% | $4,764-40.2% |
| Participant deferral / active EE | $5,000 | $7,111-29.7% | $6,710-25.5% | $5,851-14.5% |
| Admin fee / account holder | $22,000 | $12,125+81.4% | $10,264+114.3% | $11,599+89.7% |