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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 | $96,445 | $69,977+37.8% | $108,582-11.2% | $62,881+53.4% |
| Participation rate | 65.6% | 72.9%-7.3pp | 79.6%-13.9pp | 69.3%-3.7pp |
| Annual return | -0.18% | 10.73%-10.9pp | -51.70%+51.5pp | 20.14%-20.3pp |
| Employer contribution / active EE | $3,677 | $2,135+72.2% | $3,758-2.2% | $2,281+61.2% |
| Participant deferral / active EE | $6,126 | $3,165+93.6% | $4,311+42.1% | $3,203+91.2% |
| Admin fee / account holder | $1,596 | $5,076-68.6% | $7,645-79.1% | $4,296-62.9% |