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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 | $74,029 | $93,617-20.9% | $135,982-45.6% | $75,177-1.5% |
| Participation rate | 44.4% | 75.2%-30.8pp | 81.9%-37.5pp | 67.2%-22.8pp |
| Annual return | 14.11% | 30.89%-16.8pp | 68.32%-54.2pp | 160.75%-146.6pp |
| Employer contribution / active EE | $1,666 | $3,538-52.9% | $4,859-65.7% | $2,671-37.6% |
| Participant deferral / active EE | $4,212 | $6,406-34.2% | $7,760-45.7% | $4,126+2.1% |
| Admin fee / account holder | $12,676 | $6,980+81.6% | $10,767+17.7% | $5,651+124.3% |