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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 | $95,765 | $106,524-10.1% | $152,301-37.1% | $87,485+9.5% |
| Participation rate | 56.5% | 75.8%-19.2pp | 82.4%-25.9pp | 68.9%-12.4pp |
| Annual return | 13.01% | 26.89%-13.9pp | 80.50%-67.5pp | 26.06%-13.1pp |
| Employer contribution / active EE | $1,348 | $3,371-60.0% | $4,624-70.9% | $2,596-48.1% |
| Participant deferral / active EE | $2,510 | $6,525-61.5% | $8,004-68.6% | $4,274-41.3% |
| Admin fee / account holder | $17,648 | $8,287+113.0% | $14,398+22.6% | $7,775+127.0% |