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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 | $107,733 | $72,404+48.8% | $110,243-2.3% | $64,173+67.9% |
| Participation rate | 51.2% | 73.3%-22.2pp | 79.8%-28.7pp | 69.6%-18.4pp |
| Annual return | -9.68% | -6.29%-3.4pp | 314.76%-324.4pp | 7.63%-17.3pp |
| Employer contribution / active EE | $2,273 | $2,282-0.4% | $3,827-40.6% | $2,381-4.5% |
| Participant deferral / active EE | $4,485 | $3,469+29.3% | $4,672-4.0% | $3,470+29.3% |
| Admin fee / account holder | $2,480 | $5,664-56.2% | $8,548-71.0% | $4,887-49.3% |