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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 | $124,007 | $77,908+59.2% | $149,696-17.2% | $75,173+65.0% |
| Participation rate | 50.0% | 65.6%-15.6pp | 78.8%-28.8pp | 67.2%-17.2pp |
| Annual return | 13.31% | 31.73%-18.4pp | 134.46%-121.1pp | 160.72%-147.4pp |
| Employer contribution / active EE | $1,391 | $3,138-55.7% | $4,821-71.1% | $2,671-47.9% |
| Participant deferral / active EE | $2,062 | $3,411-39.5% | $5,682-63.7% | $4,126-50.0% |
| Admin fee / account holder | $508 | $5,950-91.5% | $13,212-96.2% | $5,651-91.0% |