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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 | $92,035 | $77,574+18.6% | $108,753-15.4% | $86,983+5.8% |
| Participation rate | 50.0% | 62.3%-12.3pp | 71.1%-21.1pp | 69.5%-19.5pp |
| Annual return | 10.50% | 18.42%-7.9pp | 37.47%-27.0pp | 25.83%-15.3pp |
| Employer contribution / active EE | $1,039 | $1,611-35.5% | $2,427-57.2% | $2,584-59.8% |
| Participant deferral / active EE | $3,660 | $3,128+17.0% | $4,115-11.1% | $4,194-12.7% |
| Admin fee / account holder | $17,509 | $6,529+168.2% | $10,320+69.7% | $7,856+122.9% |