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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 | $69,745 | $101,795-31.5% | $165,100-57.8% | $80,959-13.9% |
| Participation rate | 69.1% | 71.8%-2.7pp | 78.6%-9.5pp | 67.7%+1.4pp |
| Annual return | 9.79% | 16.73%-6.9pp | 70.21%-60.4pp | 35.67%-25.9pp |
| Employer contribution / active EE | $1,924 | $2,954-34.9% | $4,348-55.8% | $2,757-30.2% |
| Participant deferral / active EE | $4,633 | $4,476+3.5% | $6,035-23.2% | $4,300+7.7% |
| Admin fee / account holder | $548 | $8,221-93.3% | $12,696-95.7% | $6,925-92.1% |