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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 | $68,234 | $111,814-39.0% | $103,378-34.0% | $145,978-53.3% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 4.73% | 24.80%-20.1pp | 24.91%-20.2pp | 550.52%-545.8pp |
| Employer contribution / active EE | $2,388 | $4,215-43.3% | $3,870-38.3% | $4,662-48.8% |
| Participant deferral / active EE | $4,419 | $5,618-21.3% | $5,058-12.6% | $6,690-33.9% |
| Admin fee / account holder | $4,193 | $9,764-57.1% | $8,401-50.1% | $13,400-68.7% |