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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 | $75,511 | $98,766-23.5% | $149,730-49.6% | $79,852-5.4% |
| Participation rate | 60.0% | 75.8%-15.8pp | 82.5%-22.5pp | 69.6%-9.6pp |
| Annual return | 10.58% | 27.43%-16.8pp | 276.70%-266.1pp | 31.72%-21.1pp |
| Employer contribution / active EE | $1,722 | $3,217-46.5% | $4,645-62.9% | $2,471-30.3% |
| Participant deferral / active EE | $3,468 | $5,681-39.0% | $6,843-49.3% | $3,740-7.3% |
| Admin fee / account holder | $12,878 | $6,052+112.8% | $9,310+38.3% | $5,306+142.7% |