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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 | $132,488 | $133,998-1.1% | $112,263+18.0% | $134,545-1.5% |
| Participation rate | 52.2% | 78.6%-26.4pp | 75.1%-22.9pp | 81.2%-29.1pp |
| Annual return | -20.88% | 47.17%-68.1pp | 27.49%-48.4pp | 418.37%-439.2pp |
| Employer contribution / active EE | $1,548 | $4,040-61.7% | $3,636-57.4% | $4,742-67.4% |
| Participant deferral / active EE | $5,753 | $5,292+8.7% | $4,729+21.6% | $6,401-10.1% |
| Admin fee / account holder | $315 | $7,493-95.8% | $6,410-95.1% | $11,431-97.2% |