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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 | $60,751 | $113,338-46.4% | $94,993-36.0% | $147,586-58.8% |
| Participation rate | 22.2% | 78.0%-55.8pp | 73.9%-51.7pp | 82.8%-60.6pp |
| Annual return | 1.76% | 20.80%-19.0pp | 27.14%-25.4pp | 578.59%-576.8pp |
| Employer contribution / active EE | $3,468 | $3,160+9.7% | $2,603+33.2% | $4,876-28.9% |
| Participant deferral / active EE | $4,389 | $3,777+16.2% | $3,317+32.3% | $5,439-19.3% |
| Admin fee / account holder | $2,038 | $6,063-66.4% | $4,960-58.9% | $10,886-81.3% |