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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 | $75,146 | $72,486+3.7% | $87,103-13.7% | $72,976+3.0% |
| Participation rate | 61.5% | 72.8%-11.3pp | 76.9%-15.3pp | 69.5%-8.0pp |
| Annual return | 15.65% | 24.46%-8.8pp | 28.19%-12.5pp | 81.02%-65.4pp |
| Employer contribution / active EE | $1,868 | $1,894-1.4% | $2,521-25.9% | $2,440-23.5% |
| Participant deferral / active EE | $3,628 | $3,270+11.0% | $4,049-10.4% | $3,608+0.6% |
| Admin fee / account holder | $24,460 | $5,055+383.9% | $7,491+226.5% | $5,124+377.3% |