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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 | $139,985 | $228,395-38.7% | $185,861-24.7% | $158,982-11.9% |
| Participation rate | 50.0% | 82.3%-32.3pp | 78.0%-28.0pp | 82.0%-32.0pp |
| Annual return | 0.24% | 40.82%-40.6pp | 35.96%-35.7pp | 302.99%-302.8pp |
| Employer contribution / active EE | $15,899 | $4,968+220.0% | $4,088+288.9% | $4,763+233.8% |
| Participant deferral / active EE | $12,510 | $6,417+94.9% | $5,634+122.0% | $5,983+109.1% |
| Admin fee / account holder | $344 | $11,869-97.1% | $9,503-96.4% | $11,252-96.9% |