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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 | $74,978 | $86,919-13.7% | $102,457-26.8% | $80,911-7.3% |
| Participation rate | 48.3% | 72.4%-24.0pp | 76.5%-28.2pp | 67.6%-19.3pp |
| Annual return | 8.61% | 18.90%-10.3pp | 29.41%-20.8pp | 35.63%-27.0pp |
| Employer contribution / active EE | $1,218 | $2,368-48.6% | $3,022-59.7% | $2,756-55.8% |
| Participant deferral / active EE | $2,092 | $4,119-49.2% | $5,054-58.6% | $4,297-51.3% |
| Admin fee / account holder | $2,030 | $8,049-74.8% | $9,451-78.5% | $6,935-70.7% |