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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 | $114,640 | $88,707+29.2% | $74,185+54.5% | $273,970-58.2% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.6%-26.6pp | 83.0%-33.0pp |
| Annual return | -3.57% | 11.94%-15.5pp | 17.74%-21.3pp | 41.46%-45.0pp |
| Employer contribution / active EE | $2,301 | $3,159-27.2% | $2,370-2.9% | $4,869-52.7% |
| Participant deferral / active EE | $3,750 | $4,212-11.0% | $3,550+5.6% | $5,287-29.1% |
| Admin fee / account holder | $10,527 | $8,717+20.8% | $5,586+88.5% | $10,132+3.9% |