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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 | $91,721 | $95,453-3.9% | $112,040-18.1% | $82,448+11.2% |
| Participation rate | 67.7% | 72.8%-5.0pp | 76.5%-8.8pp | 68.1%-0.3pp |
| Annual return | 12.16% | 23.92%-11.8pp | 24.52%-12.4pp | 41.64%-29.5pp |
| Employer contribution / active EE | $2,156 | $2,318-7.0% | $2,954-27.0% | $2,551-15.5% |
| Participant deferral / active EE | $3,779 | $4,224-10.5% | $5,098-25.9% | $4,139-8.7% |
| Admin fee / account holder | $138,989 | $9,013+1442.0% | $12,098+1048.8% | $7,234+1821.2% |