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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 | $103,608 | $130,294-20.5% | $170,057-39.1% | $71,529+44.8% |
| Participation rate | 64.4% | 86.2%-21.7pp | 87.0%-22.6pp | 67.9%-3.5pp |
| Annual return | 6.16% | 20.36%-14.2pp | 53.42%-47.3pp | 28.97%-22.8pp |
| Employer contribution / active EE | $1,902 | $4,385-56.6% | $6,790-72.0% | $2,590-26.5% |
| Participant deferral / active EE | $4,092 | $6,928-40.9% | $10,411-60.7% | $4,291-4.6% |
| Admin fee / account holder | $486 | $966-49.7% | $12,826-96.2% | $1,588-69.4% |