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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 | $130,587 | $175,259-25.5% | $149,723-12.8% | $139,487-6.4% |
| Participation rate | 50.0% | 83.4%-33.4pp | 78.8%-28.8pp | 80.3%-30.3pp |
| Annual return | 9.84% | 166.82%-157.0pp | 134.50%-124.7pp | 373.84%-364.0pp |
| Employer contribution / active EE | $2,779 | $5,478-49.3% | $4,821-42.4% | $4,755-41.6% |
| Participant deferral / active EE | $5,854 | $6,522-10.2% | $5,682+3.0% | $6,713-12.8% |
| Admin fee / account holder | $4,304 | $16,158-73.4% | $13,215-67.4% | $11,407-62.3% |