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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 | $73,787+24.7% | $98,716-6.8% | $82,448+11.6% |
| Participation rate | 50.0% | 61.4%-11.4pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 10.50% | 18.57%-8.1pp | 31.81%-21.3pp | 41.64%-31.1pp |
| Employer contribution / active EE | $1,039 | $1,511-31.3% | $2,279-54.4% | $2,551-59.3% |
| Participant deferral / active EE | $3,660 | $3,081+18.8% | $4,048-9.6% | $4,139-11.6% |
| Admin fee / account holder | $17,509 | $6,500+169.4% | $8,703+101.2% | $7,234+142.0% |