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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 | $82,952 | $101,795-18.5% | $165,100-49.8% | $80,959+2.5% |
| Participation rate | 65.7% | 71.8%-6.1pp | 78.6%-12.9pp | 67.7%-2.0pp |
| Annual return | 7.99% | 16.73%-8.7pp | 70.21%-62.2pp | 35.67%-27.7pp |
| Employer contribution / active EE | $1,852 | $2,954-37.3% | $4,348-57.4% | $2,757-32.8% |
| Participant deferral / active EE | $4,643 | $4,476+3.7% | $6,035-23.1% | $4,300+8.0% |
| Admin fee / account holder | $17,200 | $8,221+109.2% | $12,696+35.5% | $6,925+148.4% |