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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 | $106,864-10.4% | $147,318-35.0% | $82,637+15.9% |
| Participation rate | 56.5% | 75.5%-19.0pp | 82.1%-25.5pp | 68.1%-11.5pp |
| Annual return | 13.01% | 27.49%-14.5pp | 70.43%-57.4pp | 53.51%-40.5pp |
| Employer contribution / active EE | $1,348 | $3,417-60.6% | $4,593-70.7% | $2,552-47.2% |
| Participant deferral / active EE | $2,510 | $6,496-61.4% | $7,906-68.3% | $4,126-39.2% |
| Admin fee / account holder | $17,648 | $8,415+109.7% | $13,708+28.7% | $7,339+140.5% |