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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 | $75,386 | $86,938-13.3% | $102,423-26.4% | $80,925-6.8% |
| Participation rate | 61.6% | 72.4%-10.7pp | 76.5%-14.9pp | 67.7%-6.0pp |
| Annual return | 7.84% | 18.89%-11.1pp | 29.42%-21.6pp | 35.65%-27.8pp |
| Employer contribution / active EE | $898 | $2,369-62.1% | $3,023-70.3% | $2,756-67.4% |
| Participant deferral / active EE | $2,826 | $4,120-31.4% | $5,054-44.1% | $4,299-34.3% |
| Admin fee / account holder | $4,036 | $8,053-49.9% | $9,455-57.3% | $6,940-41.8% |