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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 | $39,667 | $86,938-54.4% | $102,423-61.3% | $80,925-51.0% |
| Participation rate | 68.8% | 72.4%-3.6pp | 76.5%-7.8pp | 67.7%+1.1pp |
| Annual return | 9.91% | 18.89%-9.0pp | 29.42%-19.5pp | 35.65%-25.7pp |
| Employer contribution / active EE | $2,146 | $2,369-9.4% | $3,023-29.0% | $2,756-22.1% |
| Participant deferral / active EE | $4,536 | $4,120+10.1% | $5,054-10.3% | $4,299+5.5% |
| Admin fee / account holder | $16,644 | $8,053+106.7% | $9,455+76.0% | $6,940+139.8% |