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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 | $81,129 | $77,908+4.1% | $149,696-45.8% | $75,173+7.9% |
| Participation rate | 56.0% | 65.6%-9.6pp | 78.8%-22.8pp | 67.2%-11.2pp |
| Annual return | 11.42% | 31.73%-20.3pp | 134.46%-123.0pp | 160.72%-149.3pp |
| Employer contribution / active EE | $2,138 | $3,138-31.9% | $4,821-55.7% | $2,671-20.0% |
| Participant deferral / active EE | $6,688 | $3,411+96.1% | $5,682+17.7% | $4,126+62.1% |
| Admin fee / account holder | $56,043 | $5,950+842.0% | $13,212+324.2% | $5,651+891.8% |