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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 | $73,594 | $99,053-25.7% | $88,179-16.5% | $138,895-47.0% |
| Participation rate | 54.2% | 74.2%-20.1pp | 69.1%-15.0pp | 79.9%-25.8pp |
| Annual return | 8.10% | 78.17%-70.1pp | 64.97%-56.9pp | 145.39%-137.3pp |
| Employer contribution / active EE | $2,588 | $2,882-10.2% | $2,549+1.5% | $4,194-38.3% |
| Participant deferral / active EE | $6,672 | $5,225+27.7% | $4,614+44.6% | $6,396+4.3% |
| Admin fee / account holder | $52,697 | $8,748+502.4% | $7,673+586.8% | $12,562+319.5% |