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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 | $162,967-49.7% | $135,792-39.6% | $138,895-40.9% |
| Participation rate | 60.0% | 78.3%-18.3pp | 72.6%-12.6pp | 79.9%-19.9pp |
| Annual return | 4.20% | 30.08%-25.9pp | 25.96%-21.8pp | 145.39%-141.2pp |
| Employer contribution / active EE | $2,117 | $4,211-49.7% | $3,496-39.4% | $4,194-49.5% |
| Participant deferral / active EE | $7,514 | $5,640+33.2% | $4,759+57.9% | $6,396+17.5% |
| Admin fee / account holder | $4,231 | $15,306-72.4% | $12,266-65.5% | $12,562-66.3% |