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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 | $61,338 | $89,515-31.5% | $103,065-40.5% | $80,959-24.2% |
| Participation rate | 42.9% | 76.0%-33.1pp | 80.6%-37.7pp | 67.7%-24.8pp |
| Annual return | 11.11% | 22.82%-11.7pp | 23.95%-12.8pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,346 | $4,015-66.5% | $4,675-71.2% | $2,757-51.2% |
| Participant deferral / active EE | $3,220 | $5,463-41.1% | $6,625-51.4% | $4,300-25.1% |
| Admin fee / account holder | $9,864 | $6,527+51.1% | $9,349+5.5% | $6,925+42.4% |