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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 | $91,041 | $72,273+26.0% | $101,275-10.1% | $79,856+14.0% |
| Participation rate | 56.6% | 68.5%-11.9pp | 75.8%-19.2pp | 69.6%-13.0pp |
| Annual return | -3.13% | 22.30%-25.4pp | 46.48%-49.6pp | 31.71%-34.8pp |
| Employer contribution / active EE | $2,117 | $2,691-21.3% | $3,660-42.2% | $2,471-14.3% |
| Participant deferral / active EE | $4,414 | $3,282+34.5% | $4,371+1.0% | $3,741+18.0% |
| Admin fee / account holder | $3,705 | $4,401-15.8% | $5,948-37.7% | $5,306-30.2% |