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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 | $85,629 | $73,787+16.0% | $98,716-13.3% | $82,448+3.9% |
| Participation rate | 60.0% | 61.4%-1.4pp | 69.3%-9.3pp | 68.1%-8.1pp |
| Annual return | 11.96% | 18.57%-6.6pp | 31.81%-19.8pp | 41.64%-29.7pp |
| Employer contribution / active EE | $585 | $1,511-61.3% | $2,279-74.3% | $2,551-77.1% |
| Participant deferral / active EE | $3,768 | $3,081+22.3% | $4,048-6.9% | $4,139-9.0% |
| Admin fee / account holder | $1,073 | $6,500-83.5% | $8,703-87.7% | $7,234-85.2% |