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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 | $120,843 | $111,785+8.1% | $93,669+29.0% | $145,877-17.2% |
| Participation rate | 50.0% | 74.2%-24.2pp | 68.7%-18.7pp | 80.3%-30.3pp |
| Annual return | 7.36% | 203.79%-196.4pp | 133.59%-126.2pp | 551.28%-543.9pp |
| Employer contribution / active EE | $1,217 | $3,096-60.7% | $2,424-49.8% | $4,663-73.9% |
| Participant deferral / active EE | $2,214 | $4,919-55.0% | $4,416-49.9% | $6,691-66.9% |
| Admin fee / account holder | $1,120 | $10,256-89.1% | $8,291-86.5% | $13,402-91.6% |