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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 | $110,379-1.3% | $102,412+6.4% | $145,884-25.3% |
| Participation rate | 25.0% | 77.9%-52.9pp | 74.5%-49.5pp | 80.3%-55.3pp |
| Annual return | 6.02% | 24.84%-18.8pp | 24.94%-18.9pp | 551.85%-545.8pp |
| Employer contribution / active EE | $12,728 | $4,216+201.9% | $3,870+228.9% | $4,662+173.0% |
| Participant deferral / active EE | $1,736 | $5,622-69.1% | $5,060-65.7% | $6,690-74.1% |
| Admin fee / account holder | $86,031 | $9,745+782.8% | $8,388+925.7% | $13,392+542.4% |