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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 | $110,410-34.1% | $102,437-29.0% | $145,897-50.1% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.7pp | 80.3%-37.4pp |
| Annual return | 5.62% | 24.85%-19.2pp | 24.95%-19.3pp | 552.29%-546.7pp |
| Employer contribution / active EE | $2,119 | $4,217-49.8% | $3,871-45.3% | $4,663-54.6% |
| Participant deferral / active EE | $4,647 | $5,622-17.3% | $5,060-8.2% | $6,689-30.5% |
| Admin fee / account holder | $900 | $9,745-90.8% | $8,388-89.3% | $13,390-93.3% |