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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 | $98,113 | $239,571-59.0% | $183,328-46.5% | $137,256-28.5% |
| Participation rate | 50.0% | 82.4%-32.4pp | 77.3%-27.3pp | 80.0%-30.0pp |
| Annual return | 5.75% | 35.69%-29.9pp | 29.67%-23.9pp | 220.34%-214.6pp |
| Employer contribution / active EE | $2,965 | $6,148-51.8% | $5,055-41.3% | $4,156-28.7% |
| Participant deferral / active EE | $6,783 | $7,995-15.2% | $6,795-0.2% | $6,407+5.9% |
| Admin fee / account holder | $176,365 | $30,059+486.7% | $21,427+723.1% | $12,270+1337.3% |