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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 | $84,171 | $183,516-54.1% | $155,534-45.9% | $145,884-42.3% |
| Participation rate | 30.0% | 82.7%-52.7pp | 78.2%-48.2pp | 80.3%-50.3pp |
| Annual return | 7.51% | 61.43%-53.9pp | 64.92%-57.4pp | 551.85%-544.3pp |
| Employer contribution / active EE | $1,240 | $5,315-76.7% | $4,675-73.5% | $4,662-73.4% |
| Participant deferral / active EE | $5,476 | $6,467-15.3% | $5,630-2.7% | $6,690-18.1% |
| Admin fee / account holder | $155,979 | $19,293+708.5% | $15,900+881.0% | $13,392+1064.7% |