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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 | $150,851 | $152,619-1.2% | $125,195+20.5% | $152,909-1.3% |
| Participation rate | 20.0% | 83.3%-63.3pp | 79.8%-59.8pp | 82.5%-62.5pp |
| Annual return | -1.95% | 54.85%-56.8pp | 43.79%-45.7pp | 345.46%-347.4pp |
| Employer contribution / active EE | $4,053 | $4,947-18.1% | $3,866+4.8% | $4,764-14.9% |
| Participant deferral / active EE | $10,217 | $5,869+74.1% | $4,937+106.9% | $5,851+74.6% |
| Admin fee / account holder | $35,865 | $13,437+166.9% | $9,704+269.6% | $11,601+209.2% |