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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 | $71,562 | $79,955-10.5% | $98,461-27.3% | $75,173-4.8% |
| Participation rate | 57.5% | 70.4%-12.9pp | 75.2%-17.7pp | 67.2%-9.7pp |
| Annual return | 0.28% | 19.75%-19.5pp | 21.17%-20.9pp | 160.72%-160.4pp |
| Employer contribution / active EE | $2,464 | $2,264+8.8% | $3,049-19.2% | $2,671-7.8% |
| Participant deferral / active EE | $2,352 | $3,752-37.3% | $4,738-50.4% | $4,126-43.0% |
| Admin fee / account holder | $926 | $6,841-86.5% | $8,961-89.7% | $5,651-83.6% |