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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 | $140,017 | $118,877+17.8% | $96,570+45.0% | $167,536-16.4% |
| Participation rate | 60.0% | 75.5%-15.5pp | 69.8%-9.8pp | 82.1%-22.1pp |
| Annual return | 1.19% | 50.50%-49.3pp | 37.79%-36.6pp | 478.82%-477.6pp |
| Employer contribution / active EE | $2,152 | $3,121-31.1% | $2,357-8.7% | $4,839-55.5% |
| Participant deferral / active EE | $5,045 | $4,617+9.3% | $3,849+31.1% | $6,342-20.5% |
| Admin fee / account holder | $30,928 | $8,069+283.3% | $6,182+400.3% | $12,315+151.2% |