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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 | $110,379-38.2% | $102,412-33.4% | $145,884-53.2% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 4.73% | 24.84%-20.1pp | 24.94%-20.2pp | 551.85%-547.1pp |
| Employer contribution / active EE | $2,388 | $4,216-43.4% | $3,870-38.3% | $4,662-48.8% |
| Participant deferral / active EE | $4,419 | $5,622-21.4% | $5,060-12.7% | $6,690-33.9% |
| Admin fee / account holder | $4,193 | $9,745-57.0% | $8,388-50.0% | $13,392-68.7% |