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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 | $60,402 | $78,670-23.2% | $109,173-44.7% | $85,847-29.6% |
| Participation rate | 60.5% | 68.3%-7.7pp | 75.9%-15.4pp | 69.3%-8.8pp |
| Annual return | 10.52% | 25.09%-14.6pp | 25.75%-15.2pp | 318.61%-308.1pp |
| Employer contribution / active EE | $2,438 | $2,734-10.8% | $3,723-34.5% | $2,565-5.0% |
| Participant deferral / active EE | $3,929 | $3,467+13.3% | $4,654-15.6% | $3,952-0.6% |
| Admin fee / account holder | $1,224 | $5,469-77.6% | $6,755-81.9% | $6,261-80.4% |