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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 | $88,405 | $88,707-0.3% | $74,184+19.2% | $273,972-67.7% |
| Participation rate | 60.9% | 79.4%-18.6pp | 76.6%-15.7pp | 83.0%-22.1pp |
| Annual return | 1.63% | 11.94%-10.3pp | 17.74%-16.1pp | 41.46%-39.8pp |
| Employer contribution / active EE | $1,131 | $3,159-64.2% | $2,370-52.3% | $4,869-76.8% |
| Participant deferral / active EE | $3,492 | $4,212-17.1% | $3,550-1.6% | $5,287-34.0% |
| Admin fee / account holder | $5,567 | $8,717-36.1% | $5,586-0.3% | $10,133-45.1% |