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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 | $87,905 | $93,598-6.1% | $135,974-35.4% | $75,173+16.9% |
| Participation rate | 60.4% | 75.2%-14.8pp | 81.9%-21.5pp | 67.2%-6.8pp |
| Annual return | 11.93% | 30.89%-19.0pp | 68.30%-56.4pp | 160.72%-148.8pp |
| Employer contribution / active EE | $2,448 | $3,538-30.8% | $4,859-49.6% | $2,671-8.3% |
| Participant deferral / active EE | $5,617 | $6,405-12.3% | $7,760-27.6% | $4,126+36.1% |
| Admin fee / account holder | $11,936 | $6,978+71.1% | $10,767+10.9% | $5,651+111.2% |