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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 | $67,866 | $88,672-23.5% | $105,223-35.5% | $82,448-17.7% |
| Participation rate | 47.1% | 67.9%-20.9pp | 75.0%-28.0pp | 68.1%-21.0pp |
| Annual return | 12.30% | 30.86%-18.6pp | 180.65%-168.3pp | 41.64%-29.3pp |
| Employer contribution / active EE | $1,584 | $3,048-48.0% | $3,689-57.0% | $2,551-37.9% |
| Participant deferral / active EE | $2,988 | $4,036-26.0% | $5,072-41.1% | $4,139-27.8% |
| Admin fee / account holder | $1,854 | $7,146-74.1% | $8,859-79.1% | $7,234-74.4% |