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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 | $42,753 | $95,404-55.2% | $113,397-62.3% | $82,637-48.3% |
| Participation rate | 65.6% | 72.8%-7.2pp | 76.5%-10.9pp | 68.1%-2.4pp |
| Annual return | 8.21% | 19.08%-10.9pp | 23.20%-15.0pp | 53.51%-45.3pp |
| Employer contribution / active EE | $6,919 | $2,307+199.9% | $2,977+132.4% | $2,552+171.1% |
| Participant deferral / active EE | $2,633 | $4,220-37.6% | $5,076-48.1% | $4,126-36.2% |
| Admin fee / account holder | $8,329 | $9,168-9.2% | $11,957-30.3% | $7,339+13.5% |