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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 | $94,436+4.2% | $115,599-14.9% | $82,637+19.1% |
| Participation rate | 46.0% | 70.4%-24.4pp | 74.3%-28.3pp | 68.1%-22.1pp |
| Annual return | 9.31% | 18.37%-9.1pp | 111.10%-101.8pp | 53.51%-44.2pp |
| Employer contribution / active EE | $1,163 | $2,324-50.0% | $2,955-60.7% | $2,552-54.4% |
| Participant deferral / active EE | $2,138 | $3,955-45.9% | $4,889-56.3% | $4,126-48.2% |
| Admin fee / account holder | $1,055 | $10,328-89.8% | $12,841-91.8% | $7,339-85.6% |