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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 | $69,389 | $78,520-11.6% | $96,576-28.2% | $82,448-15.8% |
| Participation rate | 29.6% | 77.7%-48.1pp | 81.4%-51.8pp | 68.1%-38.4pp |
| Annual return | 11.58% | 41.30%-29.7pp | 38.47%-26.9pp | 41.64%-30.1pp |
| Employer contribution / active EE | $3,163 | $2,630+20.3% | $3,553-11.0% | $2,551+24.0% |
| Participant deferral / active EE | $7,855 | $6,754+16.3% | $7,956-1.3% | $4,139+89.8% |
| Admin fee / account holder | $46,956 | $13,455+249.0% | $11,381+312.6% | $7,234+549.1% |