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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 | $77,798 | $95,453-18.5% | $112,040-30.6% | $82,448-5.6% |
| Participation rate | 66.0% | 72.8%-6.8pp | 76.5%-10.5pp | 68.1%-2.1pp |
| Annual return | 11.64% | 23.92%-12.3pp | 24.52%-12.9pp | 41.64%-30.0pp |
| Employer contribution / active EE | $1,773 | $2,318-23.5% | $2,954-40.0% | $2,551-30.5% |
| Participant deferral / active EE | $3,672 | $4,224-13.1% | $5,098-28.0% | $4,139-11.3% |
| Admin fee / account holder | $4,267 | $9,013-52.7% | $12,098-64.7% | $7,234-41.0% |