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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 | $37,387 | $73,988-49.5% | $96,538-61.3% | $75,177-50.3% |
| Participation rate | 65.4% | 66.4%-1.0pp | 74.3%-9.0pp | 67.2%-1.8pp |
| Annual return | 2.98% | 26.73%-23.7pp | 35.74%-32.8pp | 160.75%-157.8pp |
| Employer contribution / active EE | $2,955 | $2,930+0.8% | $3,740-21.0% | $2,671+10.6% |
| Participant deferral / active EE | $1,616 | $3,660-55.9% | $4,880-66.9% | $4,126-60.8% |
| Admin fee / account holder | $19,946 | $5,220+282.1% | $6,737+196.0% | $5,651+252.9% |