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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 | $71,063 | $72,486-2.0% | $87,103-18.4% | $72,976-2.6% |
| Participation rate | 67.7% | 72.8%-5.1pp | 76.9%-9.1pp | 69.5%-1.7pp |
| Annual return | 0.72% | 24.46%-23.7pp | 28.19%-27.5pp | 81.02%-80.3pp |
| Employer contribution / active EE | $865 | $1,894-54.3% | $2,521-65.7% | $2,440-64.6% |
| Participant deferral / active EE | $2,643 | $3,270-19.2% | $4,049-34.7% | $3,608-26.7% |
| Admin fee / account holder | $9,905 | $5,055+96.0% | $7,491+32.2% | $5,124+93.3% |