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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 | $107,118 | $150,207-28.7% | $120,380-11.0% | $145,978-26.6% |
| Participation rate | 50.0% | 78.8%-28.8pp | 71.9%-21.9pp | 80.3%-30.3pp |
| Annual return | 8.50% | 154.28%-145.8pp | 107.28%-98.8pp | 550.52%-542.0pp |
| Employer contribution / active EE | $1,324 | $4,351-69.6% | $3,465-61.8% | $4,662-71.6% |
| Participant deferral / active EE | $3,846 | $6,175-37.7% | $4,992-23.0% | $6,690-42.5% |
| Admin fee / account holder | $1,872 | $12,203-84.7% | $9,421-80.1% | $13,400-86.0% |