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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 | $114,266 | $135,956-16.0% | $123,894-7.8% | $273,972-58.3% |
| Participation rate | 40.0% | 84.1%-44.1pp | 81.4%-41.4pp | 83.0%-43.0pp |
| Annual return | 1.71% | 56.63%-54.9pp | 47.52%-45.8pp | 41.46%-39.7pp |
| Employer contribution / active EE | $2,766 | $5,170-46.5% | $4,617-40.1% | $4,869-43.2% |
| Participant deferral / active EE | $9,263 | $6,343+46.0% | $5,984+54.8% | $5,287+75.2% |
| Admin fee / account holder | $587 | $9,817-94.0% | $8,357-93.0% | $10,133-94.2% |