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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 | $91,671 | $89,367+2.6% | $141,191-35.1% | $72,975+25.6% |
| Participation rate | 52.5% | 75.1%-22.6pp | 82.5%-30.0pp | 69.5%-17.0pp |
| Annual return | 13.36% | 111.87%-98.5pp | 71.41%-58.0pp | 81.01%-67.7pp |
| Employer contribution / active EE | $2,474 | $3,115-20.6% | $4,736-47.8% | $2,440+1.4% |
| Participant deferral / active EE | $5,305 | $5,419-2.1% | $6,710-20.9% | $3,608+47.0% |
| Admin fee / account holder | $10,625 | $5,957+78.4% | $10,264+3.5% | $5,124+107.3% |