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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 | $102,823 | $110,410-6.9% | $102,437+0.4% | $145,897-29.5% |
| Participation rate | 68.2% | 77.9%-9.8pp | 74.5%-6.3pp | 80.3%-12.1pp |
| Annual return | 0.85% | 24.85%-24.0pp | 24.95%-24.1pp | 552.29%-551.4pp |
| Employer contribution / active EE | $2,030 | $4,217-51.9% | $3,871-47.6% | $4,663-56.5% |
| Participant deferral / active EE | $3,283 | $5,622-41.6% | $5,060-35.1% | $6,689-50.9% |
| Admin fee / account holder | $5,070 | $9,745-48.0% | $8,388-39.6% | $13,390-62.1% |