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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 | $92,511 | $141,004-34.4% | $112,273-17.6% | $139,456-33.7% |
| Participation rate | 60.0% | 79.2%-19.2pp | 72.4%-12.4pp | 80.3%-20.3pp |
| Annual return | 6.84% | 32.75%-25.9pp | 30.23%-23.4pp | 373.45%-366.6pp |
| Employer contribution / active EE | $1,378 | $4,285-67.8% | $3,431-59.8% | $4,753-71.0% |
| Participant deferral / active EE | $4,445 | $5,878-24.4% | $4,800-7.4% | $6,711-33.8% |
| Admin fee / account holder | $305 | $9,959-96.9% | $7,752-96.1% | $11,407-97.3% |