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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 | $81,334 | $95,404-14.7% | $113,397-28.3% | $82,637-1.6% |
| Participation rate | 61.5% | 72.8%-11.3pp | 76.5%-15.0pp | 68.1%-6.5pp |
| Annual return | 11.78% | 19.08%-7.3pp | 23.20%-11.4pp | 53.51%-41.7pp |
| Employer contribution / active EE | $2,591 | $2,307+12.3% | $2,977-13.0% | $2,552+1.5% |
| Participant deferral / active EE | $4,815 | $4,220+14.1% | $5,076-5.2% | $4,126+16.7% |
| Admin fee / account holder | $38,477 | $9,168+319.7% | $11,957+221.8% | $7,339+424.3% |