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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 | $75,390 | $142,426-47.1% | $115,167-34.5% | $152,909-50.7% |
| Participation rate | 57.9% | 82.4%-24.5pp | 75.9%-18.0pp | 82.5%-24.6pp |
| Annual return | 8.12% | 41.48%-33.4pp | 35.60%-27.5pp | 345.46%-337.3pp |
| Employer contribution / active EE | $1,188 | $4,011-70.4% | $3,179-62.6% | $4,764-75.1% |
| Participant deferral / active EE | $2,552 | $5,165-50.6% | $4,169-38.8% | $5,851-56.4% |
| Admin fee / account holder | $5,798 | $8,464-31.5% | $7,089-18.2% | $11,601-50.0% |