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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 | $132,127 | $125,797+5.0% | $170,057-22.3% | $75,177+75.8% |
| Participation rate | 48.0% | 83.6%-35.6pp | 87.0%-39.0pp | 67.2%-19.2pp |
| Annual return | 0.36% | 27.20%-26.8pp | 53.42%-53.1pp | 160.75%-160.4pp |
| Employer contribution / active EE | $1,744 | $4,616-62.2% | $6,790-74.3% | $2,671-34.7% |
| Participant deferral / active EE | $6,998 | $6,838+2.3% | $10,411-32.8% | $4,126+69.6% |
| Admin fee / account holder | $1,326 | $8,177-83.8% | $12,826-89.7% | $5,651-76.5% |