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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 | $85,753 | $146,267-41.4% | $197,124-56.5% | $82,448+4.0% |
| Participation rate | 65.4% | 84.0%-18.6pp | 86.7%-21.3pp | 68.1%-2.7pp |
| Annual return | 6.92% | 29.61%-22.7pp | 44.34%-37.4pp | 41.64%-34.7pp |
| Employer contribution / active EE | $2,058 | $4,723-56.4% | $6,227-67.0% | $2,551-19.3% |
| Participant deferral / active EE | $6,494 | $7,035-7.7% | $9,135-28.9% | $4,139+56.9% |
| Admin fee / account holder | $58,027 | $14,422+302.4% | $16,298+256.0% | $7,234+702.1% |