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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 | $111,814-20.5% | $103,374-14.0% | $145,959-39.1% |
| Participation rate | 54.5% | 77.9%-23.4pp | 74.5%-20.0pp | 80.3%-25.7pp |
| Annual return | 2.91% | 24.77%-21.9pp | 24.89%-22.0pp | 561.95%-559.0pp |
| Employer contribution / active EE | $5,058 | $4,214+20.0% | $3,869+30.7% | $4,661+8.5% |
| Participant deferral / active EE | $12,206 | $5,618+117.3% | $5,058+141.3% | $6,689+82.5% |
| Admin fee / account holder | $272,525 | $9,754+2693.9% | $8,394+3146.6% | $13,398+1934.1% |