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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 | $66,714 | $78,670-15.2% | $109,173-38.9% | $85,847-22.3% |
| Participation rate | 64.5% | 68.3%-3.8pp | 75.9%-11.4pp | 69.3%-4.8pp |
| Annual return | 8.89% | 25.09%-16.2pp | 25.75%-16.9pp | 318.61%-309.7pp |
| Employer contribution / active EE | $696 | $2,734-74.5% | $3,723-81.3% | $2,565-72.9% |
| Participant deferral / active EE | $4,035 | $3,467+16.4% | $4,654-13.3% | $3,952+2.1% |
| Admin fee / account holder | $813 | $5,469-85.1% | $6,755-88.0% | $6,261-87.0% |