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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 | $70,156 | $107,363-34.7% | $92,909-24.5% | $152,897-54.1% |
| Participation rate | 52.6% | 79.8%-27.2pp | 76.0%-23.4pp | 82.5%-29.8pp |
| Annual return | 11.88% | 145.63%-133.8pp | 109.44%-97.6pp | 345.43%-333.6pp |
| Employer contribution / active EE | $1,743 | $4,222-58.7% | $3,653-52.3% | $4,764-63.4% |
| Participant deferral / active EE | $4,080 | $4,848-15.8% | $4,238-3.7% | $5,851-30.3% |
| Admin fee / account holder | $4,366 | $7,082-38.3% | $5,795-24.7% | $11,599-62.4% |