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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 | $79,348 | $103,393-23.3% | $87,103-8.9% | $152,909-48.1% |
| Participation rate | 58.3% | 79.4%-21.0pp | 76.9%-18.5pp | 82.5%-24.1pp |
| Annual return | 10.11% | 28.10%-18.0pp | 28.19%-18.1pp | 345.46%-335.4pp |
| Employer contribution / active EE | $1,397 | $3,221-56.6% | $2,521-44.6% | $4,764-70.7% |
| Participant deferral / active EE | $2,881 | $4,778-39.7% | $4,049-28.8% | $5,851-50.8% |
| Admin fee / account holder | $45,846 | $12,195+275.9% | $7,491+512.0% | $11,601+295.2% |