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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 | $98,553 | $106,749-7.7% | $145,433-32.2% | $82,448+19.5% |
| Participation rate | 60.0% | 75.6%-15.6pp | 82.1%-22.1pp | 68.1%-8.1pp |
| Annual return | 14.03% | 27.59%-13.6pp | 66.58%-52.5pp | 41.64%-27.6pp |
| Employer contribution / active EE | $3,367 | $3,444-2.2% | $4,554-26.1% | $2,551+32.0% |
| Participant deferral / active EE | $5,878 | $6,519-9.8% | $7,897-25.6% | $4,139+42.0% |
| Admin fee / account holder | $47,030 | $8,390+460.6% | $13,129+258.2% | $7,234+550.1% |