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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 | $70,646 | $106,749-33.8% | $145,433-51.4% | $82,448-14.3% |
| Participation rate | 60.7% | 75.6%-14.9pp | 82.1%-21.4pp | 68.1%-7.4pp |
| Annual return | 12.53% | 27.59%-15.1pp | 66.58%-54.0pp | 41.64%-29.1pp |
| Employer contribution / active EE | $1,367 | $3,444-60.3% | $4,554-70.0% | $2,551-46.4% |
| Participant deferral / active EE | $3,672 | $6,519-43.7% | $7,897-53.5% | $4,139-11.3% |
| Admin fee / account holder | $1,252 | $8,390-85.1% | $13,129-90.5% | $7,234-82.7% |