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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 | $102,823 | $73,787+39.4% | $98,716+4.2% | $82,448+24.7% |
| Participation rate | 55.4% | 61.4%-6.0pp | 69.3%-13.9pp | 68.1%-12.7pp |
| Annual return | 5.82% | 18.57%-12.7pp | 31.81%-26.0pp | 41.64%-35.8pp |
| Employer contribution / active EE | $521 | $1,511-65.5% | $2,279-77.1% | $2,551-79.6% |
| Participant deferral / active EE | $4,641 | $3,081+50.6% | $4,048+14.7% | $4,139+12.1% |
| Admin fee / account holder | $24,781 | $6,500+281.2% | $8,703+184.7% | $7,234+242.5% |