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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 | $77,183 | $102,422-24.6% | $147,117-47.5% | $80,959-4.7% |
| Participation rate | 64.0% | 75.9%-11.9pp | 82.2%-18.2pp | 67.7%-3.7pp |
| Annual return | 11.53% | 135.16%-123.6pp | 420.54%-409.0pp | 35.67%-24.1pp |
| Employer contribution / active EE | $1,287 | $3,717-65.4% | $4,932-73.9% | $2,757-53.3% |
| Participant deferral / active EE | $3,573 | $6,652-46.3% | $8,065-55.7% | $4,300-16.9% |
| Admin fee / account holder | $574 | $7,953-92.8% | $12,993-95.6% | $6,925-91.7% |