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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 | $76,551 | $76,834-0.4% | $108,359-29.4% | $87,485-12.5% |
| Participation rate | 50.0% | 61.7%-11.7pp | 70.1%-20.1pp | 68.9%-18.9pp |
| Annual return | 9.63% | 19.09%-9.5pp | 36.89%-27.3pp | 26.06%-16.4pp |
| Employer contribution / active EE | $392 | $1,556-74.8% | $2,399-83.7% | $2,596-84.9% |
| Participant deferral / active EE | $2,449 | $3,100-21.0% | $4,137-40.8% | $4,274-42.7% |
| Admin fee / account holder | $10,690 | $6,537+63.5% | $9,741+9.7% | $7,775+37.5% |