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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 | $108,929 | $111,814-2.6% | $103,378+5.4% | $145,978-25.4% |
| Participation rate | 25.0% | 77.9%-52.9pp | 74.5%-49.5pp | 80.3%-55.3pp |
| Annual return | 6.02% | 24.80%-18.8pp | 24.91%-18.9pp | 550.52%-544.5pp |
| Employer contribution / active EE | $12,728 | $4,215+202.0% | $3,870+228.8% | $4,662+173.0% |
| Participant deferral / active EE | $1,736 | $5,618-69.1% | $5,058-65.7% | $6,690-74.1% |
| Admin fee / account holder | $86,031 | $9,764+781.1% | $8,401+924.1% | $13,400+542.0% |