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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 | $72,134 | $79,961-9.8% | $98,462-26.7% | $75,177-4.0% |
| Participation rate | 63.6% | 70.4%-6.7pp | 75.2%-11.5pp | 67.2%-3.6pp |
| Annual return | 11.64% | 19.75%-8.1pp | 21.17%-9.5pp | 160.75%-149.1pp |
| Employer contribution / active EE | $2,081 | $2,264-8.1% | $3,049-31.7% | $2,671-22.1% |
| Participant deferral / active EE | $3,253 | $3,753-13.3% | $4,738-31.3% | $4,126-21.2% |
| Admin fee / account holder | $19,915 | $6,842+191.1% | $8,875+124.4% | $5,651+252.4% |