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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 | $60,986 | $51,642+18.1% | $129,384-52.9% | $80,935-24.6% |
| Participation rate | 34.9% | 56.9%-22.0pp | 69.6%-34.8pp | 67.7%-32.8pp |
| Annual return | 9.86% | 20.78%-10.9pp | 9461.77%-9451.9pp | 35.66%-25.8pp |
| Employer contribution / active EE | $1,011 | $1,583-36.1% | $4,153-75.6% | $2,757-63.3% |
| Participant deferral / active EE | $1,753 | $2,670-34.3% | $4,166-57.9% | $4,299-59.2% |
| Admin fee / account holder | $4,269 | $4,312-1.0% | $7,686-44.5% | $6,924-38.4% |