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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 | $110,337-19.5% | $102,383-13.2% | $145,877-39.1% |
| Participation rate | 54.5% | 77.9%-23.4pp | 74.5%-20.0pp | 80.3%-25.8pp |
| Annual return | 2.91% | 24.83%-21.9pp | 24.94%-22.0pp | 551.28%-548.4pp |
| Employer contribution / active EE | $5,058 | $4,216+20.0% | $3,870+30.7% | $4,663+8.5% |
| Participant deferral / active EE | $12,206 | $5,621+117.2% | $5,060+141.2% | $6,691+82.4% |
| Admin fee / account holder | $272,525 | $9,750+2695.2% | $8,391+3147.7% | $13,402+1933.4% |