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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 | $115,348 | $148,629-22.4% | $135,982-15.2% | $139,487-17.3% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 11.33% | 79.33%-68.0pp | 68.32%-57.0pp | 373.84%-362.5pp |
| Employer contribution / active EE | $2,113 | $5,247-59.7% | $4,859-56.5% | $4,755-55.6% |
| Participant deferral / active EE | $3,445 | $8,102-57.5% | $7,760-55.6% | $6,713-48.7% |
| Admin fee / account holder | $18,680 | $12,406+50.6% | $10,767+73.5% | $11,407+63.8% |