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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 | $88,862 | $110,410-19.5% | $102,437-13.3% | $145,897-39.1% |
| Participation rate | 54.5% | 77.9%-23.4pp | 74.5%-20.0pp | 80.3%-25.8pp |
| Annual return | 2.91% | 24.85%-21.9pp | 24.95%-22.0pp | 552.29%-549.4pp |
| Employer contribution / active EE | $5,058 | $4,217+19.9% | $3,871+30.7% | $4,663+8.5% |
| Participant deferral / active EE | $12,206 | $5,622+117.1% | $5,060+141.2% | $6,689+82.5% |
| Admin fee / account holder | $272,525 | $9,745+2696.5% | $8,388+3149.0% | $13,390+1935.2% |