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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 | $88,439 | $77,908+13.5% | $149,696-40.9% | $75,173+17.6% |
| Participation rate | 55.6% | 65.6%-10.0pp | 78.8%-23.2pp | 67.2%-11.6pp |
| Annual return | 12.40% | 31.73%-19.3pp | 134.46%-122.1pp | 160.72%-148.3pp |
| Employer contribution / active EE | $2,577 | $3,138-17.9% | $4,821-46.6% | $2,671-3.5% |
| Participant deferral / active EE | $4,699 | $3,411+37.8% | $5,682-17.3% | $4,126+13.9% |
| Admin fee / account holder | $56,730 | $5,950+853.5% | $13,212+329.4% | $5,651+904.0% |