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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 | $81,804 | $77,908+5.0% | $149,696-45.4% | $75,173+8.8% |
| Participation rate | 54.3% | 65.6%-11.2pp | 78.8%-24.4pp | 67.2%-12.9pp |
| Annual return | 11.72% | 31.73%-20.0pp | 134.46%-122.7pp | 160.72%-149.0pp |
| Employer contribution / active EE | $1,783 | $3,138-43.2% | $4,821-63.0% | $2,671-33.2% |
| Participant deferral / active EE | $2,620 | $3,411-23.2% | $5,682-53.9% | $4,126-36.5% |
| Admin fee / account holder | $1,258 | $5,950-78.9% | $13,212-90.5% | $5,651-77.7% |