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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 | $60,262 | $95,904-37.2% | $173,730-65.3% | $64,340-6.3% |
| Participation rate | 59.5% | 60.6%-1.1pp | 79.6%-20.0pp | 55.2%+4.3pp |
| Annual return | 7.21% | 17.47%-10.3pp | 19.96%-12.7pp | 24.14%-16.9pp |
| Employer contribution / active EE | $2,389 | $2,323+2.9% | $4,577-47.8% | $1,862+28.3% |
| Participant deferral / active EE | $2,715 | $3,488-22.2% | $6,326-57.1% | $2,980-8.9% |
| Admin fee / account holder | $44,770 | $5,089+779.8% | $17,523+155.5% | $3,703+1109.2% |