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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 | $82,022 | $177,156-53.7% | $147,027-44.2% | $154,746-47.0% |
| Participation rate | 60.0% | 79.4%-19.4pp | 73.7%-13.7pp | 80.7%-20.7pp |
| Annual return | 4.20% | 21.94%-17.7pp | 20.23%-16.0pp | 172.34%-168.1pp |
| Employer contribution / active EE | $2,117 | $4,336-51.2% | $3,626-41.6% | $4,379-51.7% |
| Participant deferral / active EE | $7,514 | $5,797+29.6% | $4,933+52.3% | $6,730+11.6% |
| Admin fee / account holder | $4,231 | $14,904-71.6% | $12,223-65.4% | $14,365-70.5% |