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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 | $67,896 | $67,602+0.4% | $82,312-17.5% | $70,126-3.2% |
| Participation rate | 61.1% | 72.8%-11.7pp | 76.9%-15.8pp | 69.5%-8.4pp |
| Annual return | 9.01% | 21.57%-12.6pp | 25.88%-16.9pp | 73.15%-64.1pp |
| Employer contribution / active EE | $1,420 | $1,755-19.1% | $2,428-41.5% | $2,343-39.4% |
| Participant deferral / active EE | $1,821 | $2,987-39.0% | $3,706-50.9% | $3,332-45.3% |
| Admin fee / account holder | $6,776 | $4,512+50.2% | $5,608+20.8% | $4,645+45.9% |