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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 | $62,229 | $111,878-44.4% | $93,727-33.6% | $145,897-57.3% |
| Participation rate | 60.0% | 74.2%-14.2pp | 68.7%-8.7pp | 80.3%-20.3pp |
| Annual return | 6.50% | 204.28%-197.8pp | 133.83%-127.3pp | 552.29%-545.8pp |
| Employer contribution / active EE | $1,696 | $3,092-45.2% | $2,421-30.0% | $4,663-63.6% |
| Participant deferral / active EE | $4,506 | $4,920-8.4% | $4,417+2.0% | $6,689-32.6% |
| Admin fee / account holder | $1,679 | $10,256-83.6% | $8,292-79.8% | $13,390-87.5% |