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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 | $74,802 | $87,037-14.1% | $106,201-29.6% | $80,874-7.5% |
| Participation rate | 66.7% | 70.4%-3.8pp | 75.3%-8.6pp | 67.6%-1.0pp |
| Annual return | 9.77% | 17.05%-7.3pp | 116.26%-106.5pp | 35.62%-25.8pp |
| Employer contribution / active EE | $1,846 | $2,396-23.0% | $3,170-41.8% | $2,756-33.0% |
| Participant deferral / active EE | $3,816 | $3,986-4.3% | $5,012-23.9% | $4,297-11.2% |
| Admin fee / account holder | $418 | $8,434-95.0% | $11,039-96.2% | $6,935-94.0% |