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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 | $72,320 | $88,996-18.7% | $78,004-7.3% | $138,895-47.9% |
| Participation rate | 50.0% | 74.4%-24.4pp | 69.4%-19.4pp | 79.9%-29.9pp |
| Annual return | 9.67% | 28.03%-18.4pp | 31.07%-21.4pp | 145.39%-135.7pp |
| Employer contribution / active EE | $1,230 | $2,917-57.8% | $2,469-50.2% | $4,194-70.7% |
| Participant deferral / active EE | $4,444 | $4,724-5.9% | $4,092+8.6% | $6,396-30.5% |
| Admin fee / account holder | $3,772 | $8,807-57.2% | $7,578-50.2% | $12,562-70.0% |