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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 | $103,754 | $135,956-23.7% | $123,894-16.3% | $273,972-62.1% |
| Participation rate | 60.0% | 84.1%-24.1pp | 81.4%-21.4pp | 83.0%-23.0pp |
| Annual return | 2.55% | 56.63%-54.1pp | 47.52%-45.0pp | 41.46%-38.9pp |
| Employer contribution / active EE | $3,110 | $5,170-39.8% | $4,617-32.6% | $4,869-36.1% |
| Participant deferral / active EE | $6,688 | $6,343+5.4% | $5,984+11.8% | $5,287+26.5% |
| Admin fee / account holder | $569 | $9,817-94.2% | $8,357-93.2% | $10,133-94.4% |