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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 | $65,890 | $55,713+18.3% | $75,901-13.2% | $72,975-9.7% |
| Participation rate | 51.0% | 61.1%-10.1pp | 69.3%-18.3pp | 69.5%-18.5pp |
| Annual return | 14.83% | 27.60%-12.8pp | 30.76%-15.9pp | 81.01%-66.2pp |
| Employer contribution / active EE | $1,466 | $1,687-13.1% | $2,501-41.4% | $2,440-39.9% |
| Participant deferral / active EE | $3,677 | $2,634+39.6% | $3,603+2.0% | $3,608+1.9% |
| Admin fee / account holder | $8,836 | $3,980+122.0% | $5,420+63.0% | $5,124+72.4% |