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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 | $86,652 | $99,994-13.3% | $146,643-40.9% | $85,847+0.9% |
| Participation rate | 39.6% | 73.1%-33.4pp | 80.1%-40.5pp | 69.3%-29.7pp |
| Annual return | 3.21% | 18.93%-15.7pp | 22.75%-19.5pp | 318.61%-315.4pp |
| Employer contribution / active EE | $1,218 | $2,559-52.4% | $4,137-70.6% | $2,565-52.5% |
| Participant deferral / active EE | $2,023 | $4,006-49.5% | $5,506-63.3% | $3,952-48.8% |
| Admin fee / account holder | $1,384 | $7,703-82.0% | $10,280-86.5% | $6,261-77.9% |