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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 | $98,427 | $94,031+4.7% | $115,768-15.0% | $82,448+19.4% |
| Participation rate | 46.0% | 70.4%-24.4pp | 74.4%-28.4pp | 68.1%-22.1pp |
| Annual return | 9.31% | 20.61%-11.3pp | 100.46%-91.2pp | 41.64%-32.3pp |
| Employer contribution / active EE | $1,163 | $2,323-50.0% | $2,940-60.5% | $2,551-54.4% |
| Participant deferral / active EE | $2,138 | $3,972-46.2% | $4,917-56.5% | $4,139-48.3% |
| Admin fee / account holder | $1,055 | $10,249-89.7% | $12,439-91.5% | $7,234-85.4% |