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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 | $94,049 | $77,896+20.7% | $134,172-29.9% | $82,448+14.1% |
| Participation rate | 55.6% | 62.8%-7.2pp | 72.5%-16.9pp | 68.1%-12.5pp |
| Annual return | 12.20% | 18.21%-6.0pp | 25.30%-13.1pp | 41.64%-29.4pp |
| Employer contribution / active EE | $2,108 | $2,159-2.4% | $3,420-38.4% | $2,551-17.4% |
| Participant deferral / active EE | $2,025 | $3,162-36.0% | $4,690-56.8% | $4,139-51.1% |
| Admin fee / account holder | $10,705 | $6,336+68.9% | $12,016-10.9% | $7,234+48.0% |