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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 | $106,524-7.5% | $152,301-35.3% | $87,485+12.7% |
| Participation rate | 60.0% | 75.8%-15.8pp | 82.4%-22.4pp | 68.9%-8.9pp |
| Annual return | 14.03% | 26.89%-12.9pp | 80.50%-66.5pp | 26.06%-12.0pp |
| Employer contribution / active EE | $3,367 | $3,371-0.1% | $4,624-27.2% | $2,596+29.7% |
| Participant deferral / active EE | $5,878 | $6,525-9.9% | $8,004-26.6% | $4,274+37.5% |
| Admin fee / account holder | $47,030 | $8,287+467.5% | $14,398+226.6% | $7,775+504.9% |