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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 | $72,749 | $111,814-34.9% | $103,374-29.6% | $145,959-50.2% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.7pp | 80.3%-37.4pp |
| Annual return | 5.62% | 24.77%-19.2pp | 24.89%-19.3pp | 561.95%-556.3pp |
| Employer contribution / active EE | $2,119 | $4,214-49.7% | $3,869-45.2% | $4,661-54.5% |
| Participant deferral / active EE | $4,647 | $5,618-17.3% | $5,058-8.1% | $6,689-30.5% |
| Admin fee / account holder | $900 | $9,754-90.8% | $8,394-89.3% | $13,398-93.3% |