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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 | $115,702 | $93,345+24.0% | $119,126-2.9% | $87,485+32.3% |
| Participation rate | 53.1% | 68.7%-15.6pp | 75.8%-22.6pp | 68.9%-15.8pp |
| Annual return | 8.27% | 19.08%-10.8pp | 282.11%-273.8pp | 26.06%-17.8pp |
| Employer contribution / active EE | $1,657 | $3,172-47.8% | $4,034-58.9% | $2,596-36.2% |
| Participant deferral / active EE | $6,334 | $4,099+54.5% | $5,318+19.1% | $4,274+48.2% |
| Admin fee / account holder | $32,912 | $8,039+309.4% | $10,693+207.8% | $7,775+323.3% |