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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 | $109,958 | $197,625-44.4% | $177,840-38.2% | $158,966-30.8% |
| Participation rate | 50.0% | 88.5%-38.5pp | 87.7%-37.7pp | 82.0%-32.0pp |
| Annual return | 5.37% | 58.76%-53.4pp | 48.32%-43.0pp | 302.95%-297.6pp |
| Employer contribution / active EE | $2,356 | $6,698-64.8% | $5,919-60.2% | $4,762-50.5% |
| Participant deferral / active EE | $6,840 | $8,405-18.6% | $7,714-11.3% | $5,983+14.3% |
| Admin fee / account holder | $9,780 | $15,405-36.5% | $12,431-21.3% | $11,250-13.1% |