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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 | $94,925 | $155,555-39.0% | $146,866-35.4% | $155,188-38.8% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.5%-15.8pp | 80.8%-14.1pp |
| Annual return | 3.36% | 115.41%-112.1pp | 102.85%-99.5pp | 148.84%-145.5pp |
| Employer contribution / active EE | $4,323 | $4,647-7.0% | $4,425-2.3% | $4,248+1.8% |
| Participant deferral / active EE | $7,563 | $8,044-6.0% | $7,759-2.5% | $6,531+15.8% |
| Admin fee / account holder | $2,064 | $14,755-86.0% | $13,620-84.8% | $14,480-85.7% |