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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 | $79,619 | $86,050-7.5% | $189,758-58.0% | $94,015-15.3% |
| Participation rate | 63.6% | 68.9%-5.3pp | 79.8%-16.2pp | 70.8%-7.2pp |
| Annual return | 6.97% | 17.77%-10.8pp | 52.62%-45.6pp | 17.84%-10.9pp |
| Employer contribution / active EE | $1,559 | $2,819-44.7% | $4,767-67.3% | $2,790-44.1% |
| Participant deferral / active EE | $3,159 | $3,349-5.7% | $5,856-46.1% | $4,249-25.7% |
| Admin fee / account holder | $6,348 | $6,627-4.2% | $20,388-68.9% | $8,951-29.1% |