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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 | $100,194-57.3% | $122,979-65.2% | $86,983-50.8% |
| Participation rate | 65.6% | 73.0%-7.3pp | 77.2%-11.6pp | 69.5%-3.9pp |
| Annual return | 8.21% | 16.47%-8.3pp | 20.12%-11.9pp | 25.83%-17.6pp |
| Employer contribution / active EE | $6,919 | $2,326+197.5% | $3,062+125.9% | $2,584+167.7% |
| Participant deferral / active EE | $2,633 | $4,133-36.3% | $5,003-47.4% | $4,194-37.2% |
| Admin fee / account holder | $8,329 | $10,148-17.9% | $12,864-35.3% | $7,856+6.0% |