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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 | $164,908 | $152,591+8.1% | $117,529+40.3% | $134,545+22.6% |
| Participation rate | 57.1% | 77.1%-20.0pp | 70.6%-13.5pp | 81.2%-24.1pp |
| Annual return | -24.69% | 53.04%-77.7pp | 29.77%-54.5pp | 418.37%-443.1pp |
| Employer contribution / active EE | $8,866 | $5,576+59.0% | $4,179+112.1% | $4,742+87.0% |
| Participant deferral / active EE | $5,847 | $4,821+21.3% | $4,072+43.6% | $6,401-8.7% |
| Admin fee / account holder | $2,488 | $7,004-64.5% | $5,645-55.9% | $11,431-78.2% |