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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 | $68,917 | $65,367+5.4% | $92,915-25.8% | $72,976-5.6% |
| Participation rate | 32.0% | 68.3%-36.3pp | 76.0%-44.0pp | 69.5%-37.5pp |
| Annual return | 1.90% | 42.11%-40.2pp | 109.45%-107.6pp | 81.02%-79.1pp |
| Employer contribution / active EE | $1,167 | $2,594-55.0% | $3,653-68.1% | $2,440-52.2% |
| Participant deferral / active EE | $1,952 | $3,128-37.6% | $4,238-53.9% | $3,608-45.9% |
| Admin fee / account holder | $8,580 | $4,251+101.8% | $5,796+48.0% | $5,124+67.4% |