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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 | $85,396 | $135,956-37.2% | $123,894-31.1% | $273,972-68.8% |
| Participation rate | 62.5% | 84.1%-21.6pp | 81.4%-18.9pp | 83.0%-20.5pp |
| Annual return | 2.45% | 56.63%-54.2pp | 47.52%-45.1pp | 41.46%-39.0pp |
| Employer contribution / active EE | $4,979 | $5,170-3.7% | $4,617+7.8% | $4,869+2.3% |
| Participant deferral / active EE | $7,655 | $6,343+20.7% | $5,984+27.9% | $5,287+44.8% |
| Admin fee / account holder | $22,459 | $9,817+128.8% | $8,357+168.7% | $10,133+121.7% |