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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 | $94,594 | $176,786-46.5% | $146,643-35.5% | $167,536-43.5% |
| Participation rate | 66.7% | 83.6%-17.0pp | 80.1%-13.4pp | 82.1%-15.4pp |
| Annual return | 4.20% | 24.04%-19.8pp | 22.75%-18.6pp | 478.82%-474.6pp |
| Employer contribution / active EE | $1,806 | $5,161-65.0% | $4,137-56.3% | $4,839-62.7% |
| Participant deferral / active EE | $2,212 | $6,440-65.7% | $5,506-59.8% | $6,342-65.1% |
| Admin fee / account holder | $1,686 | $13,262-87.3% | $10,280-83.6% | $12,315-86.3% |