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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 | $94,330 | $60,349+56.3% | $74,184+27.2% | $62,881+50.0% |
| Participation rate | 57.8% | 72.7%-15.0pp | 76.6%-18.8pp | 69.3%-11.5pp |
| Annual return | 0.68% | 21.38%-20.7pp | 17.74%-17.1pp | 20.14%-19.5pp |
| Employer contribution / active EE | $1,040 | $1,680-38.1% | $2,370-56.1% | $2,281-54.4% |
| Participant deferral / active EE | $2,531 | $2,856-11.4% | $3,550-28.7% | $3,203-21.0% |
| Admin fee / account holder | $2,319 | $4,261-45.6% | $5,586-58.5% | $4,296-46.0% |