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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 | $145,431-41.0% | $211,142-59.4% | $87,485-2.0% |
| Participation rate | 65.4% | 84.7%-19.4pp | 87.3%-21.9pp | 68.9%-3.5pp |
| Annual return | 6.92% | 27.21%-20.3pp | 46.84%-39.9pp | 26.06%-19.1pp |
| Employer contribution / active EE | $2,058 | $4,662-55.9% | $6,442-68.1% | $2,596-20.8% |
| Participant deferral / active EE | $6,494 | $6,859-5.3% | $9,284-30.1% | $4,274+52.0% |
| Admin fee / account holder | $58,027 | $17,052+240.3% | $19,076+204.2% | $7,775+646.3% |