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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 | $72,496 | $73,787-1.7% | $98,716-26.6% | $82,448-12.1% |
| Participation rate | 44.1% | 61.4%-17.3pp | 69.3%-25.2pp | 68.1%-24.0pp |
| Annual return | 10.88% | 18.57%-7.7pp | 31.81%-20.9pp | 41.64%-30.8pp |
| Employer contribution / active EE | $1,993 | $1,511+31.9% | $2,279-12.5% | $2,551-21.9% |
| Participant deferral / active EE | $3,374 | $3,081+9.5% | $4,048-16.6% | $4,139-18.5% |
| Admin fee / account holder | $56,870 | $6,500+774.9% | $8,703+553.5% | $7,234+686.1% |