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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 | $124,844 | $93,598+33.4% | $135,974-8.2% | $75,173+66.1% |
| Participation rate | 43.8% | 75.2%-31.4pp | 81.9%-38.2pp | 67.2%-23.5pp |
| Annual return | -3.27% | 30.89%-34.2pp | 68.30%-71.6pp | 160.72%-164.0pp |
| Employer contribution / active EE | $2,637 | $3,538-25.5% | $4,859-45.7% | $2,671-1.3% |
| Participant deferral / active EE | $4,310 | $6,405-32.7% | $7,760-44.5% | $4,126+4.5% |
| Admin fee / account holder | $5,631 | $6,978-19.3% | $10,767-47.7% | $5,651-0.3% |