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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 | $68,132 | $100,262-32.0% | $81,370-16.3% | $145,897-53.3% |
| Participation rate | 40.0% | 74.3%-34.3pp | 69.5%-29.5pp | 80.3%-40.3pp |
| Annual return | 7.03% | 34.52%-27.5pp | 24.85%-17.8pp | 552.29%-545.3pp |
| Employer contribution / active EE | $1,236 | $2,979-58.5% | $2,464-49.8% | $4,663-73.5% |
| Participant deferral / active EE | $1,382 | $4,612-70.0% | $3,885-64.4% | $6,689-79.3% |
| Admin fee / account holder | $4,692 | $8,163-42.5% | $5,749-18.4% | $13,390-65.0% |