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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 | $98,733 | $104,251-5.3% | $91,004+8.5% | $147,586-33.1% |
| Participation rate | 58.8% | 78.2%-19.4pp | 75.6%-16.8pp | 82.8%-24.0pp |
| Annual return | 8.63% | 27.06%-18.4pp | 4.60%+4.0pp | 578.59%-570.0pp |
| Employer contribution / active EE | $1,915 | $3,116-38.5% | $2,456-22.0% | $4,876-60.7% |
| Participant deferral / active EE | $4,437 | $4,195+5.8% | $3,548+25.1% | $5,439-18.4% |
| Admin fee / account holder | $612 | $8,948-93.2% | $5,417-88.7% | $10,886-94.4% |