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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 | $78,979 | $91,179-13.4% | $178,499-55.8% | $79,852-1.1% |
| Participation rate | 46.7% | 69.2%-22.5pp | 81.9%-35.3pp | 69.6%-23.0pp |
| Annual return | 6.68% | 24.19%-17.5pp | 151.10%-144.4pp | 31.72%-25.0pp |
| Employer contribution / active EE | $3,367 | $3,256+3.4% | $5,011-32.8% | $2,471+36.3% |
| Participant deferral / active EE | $3,814 | $3,236+17.9% | $5,202-26.7% | $3,740+2.0% |
| Admin fee / account holder | $4,370 | $6,749-35.2% | $13,986-68.8% | $5,306-17.6% |