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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 | $67,874 | $111,814-39.3% | $103,378-34.3% | $145,978-53.5% |
| Participation rate | 43.8% | 77.9%-34.2pp | 74.5%-30.8pp | 80.3%-36.5pp |
| Annual return | 8.81% | 24.80%-16.0pp | 24.91%-16.1pp | 550.52%-541.7pp |
| Employer contribution / active EE | $1,091 | $4,215-74.1% | $3,870-71.8% | $4,662-76.6% |
| Participant deferral / active EE | $6,604 | $5,618+17.6% | $5,058+30.6% | $6,690-1.3% |
| Admin fee / account holder | $8,768 | $9,764-10.2% | $8,401+4.4% | $13,400-34.6% |