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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 | $73,889 | $98,766-25.2% | $149,730-50.7% | $79,852-7.5% |
| Participation rate | 60.3% | 75.8%-15.5pp | 82.5%-22.2pp | 69.6%-9.3pp |
| Annual return | 9.61% | 27.43%-17.8pp | 276.70%-267.1pp | 31.72%-22.1pp |
| Employer contribution / active EE | $1,057 | $3,217-67.1% | $4,645-77.2% | $2,471-57.2% |
| Participant deferral / active EE | $2,667 | $5,681-53.1% | $6,843-61.0% | $3,740-28.7% |
| Admin fee / account holder | $5,451 | $6,052-9.9% | $9,310-41.5% | $5,306+2.7% |