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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 | $75,380 | $78,015-3.4% | $178,505-57.8% | $80,959-6.9% |
| Participation rate | 47.4% | 65.7%-18.3pp | 77.1%-29.7pp | 67.7%-20.3pp |
| Annual return | 10.66% | 18.10%-7.4pp | 27.16%-16.5pp | 35.67%-25.0pp |
| Employer contribution / active EE | $1,795 | $2,281-21.3% | $3,955-54.6% | $2,757-34.9% |
| Participant deferral / active EE | $2,954 | $4,406-33.0% | $6,280-53.0% | $4,300-31.3% |
| Admin fee / account holder | $994 | $7,160-86.1% | $10,428-90.5% | $6,925-85.6% |